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Upturn AI Summary - About
First US Bancshares Inc(FUSB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FUSB
10/28/2026: FUSB (3-star) is currently NOT-A-BUY. Pass it for now.
First US Bancshares, Inc. is a community-focused regional bank holding company serving individuals and businesses in Alabama. The bank is recognized for its stable deposit base and deeply rooted local relationships, which provide a foundation for its commercial and retail banking operations. Its primary growth opportunity lies in leveraging digital transformation to improve efficiency and attract a broader customer base within its region. Key risks include intense competition from larger financial institutions, interest rate volatility, and geographic concentration in the Southeast. The stock may suit investors seeking long-term exposure to regional banking with an interest in potential dividend stability and tangible book value.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature, slow-growth regional bank rather than a high-growth entity. |
| Momentum investor | Weak fit | The stock typically exhibits lower trading volume and lacks the rapid price appreciation sought by momentum strategies. |
| Value investor | Mixed fit | Value investors may be attracted to the tangible book value and regional banking stability. |
| Dividend investor | Mixed fit | Income investors may consider the stock, though dividends are subject to board approval and regulatory capital needs. |
| Low-risk investor | Mixed fit | While banking is generally stable, the concentration risk in a specific region adds volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Smaller cap regional banks can experience significant price swings based on interest rate sentiment. |
| Valuation risk | Medium | Valuation is sensitive to book value multiples common in the banking sector. |
| Competition risk (regional/national bank competition) | High | Larger banks have technological and capital advantages that can squeeze market share. |
| Business quality | Medium | The bank maintains a stable core, but lacks the diversified revenue streams of larger institutions. |
| Dividend income | Medium | Dividends are not guaranteed and are sensitive to the bank's internal capital needs. |
| Execution risk | Medium | Successful management of credit risk and net interest margins is essential to performance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 33.72% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 90.83M USD | Price to earnings Ratio 12.5 | 1Y Target Price - |
Price to earnings Ratio 12.5 | 1Y Target Price - | ||
Volume (30-day avg) 7.7K shares | Beta 0.24 | 52 Weeks Range 12.33 - 16.99 | Updated Date 10/28/2026 |
52 Weeks Range 12.33 - 16.99 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 1.70% | Basic EPS (TTM) 1.32 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | The difference between interest earned on loans and interest paid on deposits. | The bank makes money primarily by lending out deposited funds at higher rates than it pays to savers. |
| Non-Interest Income | Service fees, account charges, and mortgage banking income. | Secondary revenue comes from banking fees charged for various financial services. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.5 | Forward PE 8.69 | Enterprise Value 62.97M | Price to Sales(TTM) 2.28 |
Enterprise Value 62.97M | Price to Sales(TTM) 2.28 | ||
Enterprise Value to Revenue 3.05 | Enterprise Value to EBITDA - | Shares Outstanding 5.50M | Shares Floating 4.14M |
Shares Outstanding 5.50M | Shares Floating 4.14M | ||
Percent Insiders 13.52 | Percent Institutions 19.22 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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