FUSB
NEUTRAL
$15.65
Live
First US Bancshares, Inc. · NASDAQ
$10.3
52W Range
$15.99
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 10, 2026
Market cap
$90.25M
P/E
15.65
ROE
5.9%
Profit margin
16.2%
Debt/Equity
N/A
Dividend yield
1.79%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
FUSB presents a classic value trap profile: fundamentally undervalued but technically bearish. The deterministic baseline shows a stable Piotroski F-Score of 4/9 and a significant discount to both the Graham Number ($20.42) and Intrinsic Value ($29.50), with the stock trading below book value (P/B 0.84). However, this value is offset by a severely bearish technical trend (10/100), negative insider sentiment, and a historically poor earnings surprise track record. While current YoY growth is positive, the lack of momentum and micro-cap liquidity risks warrant a neutral stance.
Key Strengths
Trading at a discount to book value (P/B 0.84)
Current price is significantly below the Graham Number ($20.42)
Positive YoY revenue (10.10%) and earnings (24.30%) growth
Sustainable dividend payout ratio of 28%
Low P/E ratio (15.65) compared to the broader financial sector average
Key Risks
Extremely bearish technical trend (10/100)
Micro-cap status ($90M) leads to high volatility and liquidity risk
Bearish insider activity with recent selling
Low Return on Equity (ROE) of 5.87%
Historically poor earnings track record with significant misses
AI Fair Value Estimate
Based on comprehensive analysis
$22.5
+43.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
52
Moderate
85
55
30
50
40
AI Verdict
Undervalued but Momentum-Deficient
Key drivers: Deep value metrics (P/B, Graham Number), Severe technical weakness, Poor historical earnings reliability
Confidence
80%
Value
85/100
P/E 15.65, Graham Number $20.42
Positives
- P/B < 1.0
- Price < Graham Number
- Price < Intrinsic Value
Watchpoints
- Low liquidity may prevent price correction to fair value
Future
55/100
YoY Earnings Growth 24.30%
Positives
- Double-digit YoY earnings growth
Watchpoints
- Regional bank sector headwinds
- Low ROE suggests inefficient capital use
Past
30/100
Average surprise (Last 4) -68.55%
Positives
- Long-term 5Y price appreciation
Watchpoints
- Catastrophic historical earnings surprises
- Inconsistent quarterly performance
Health
50/100
Piotroski F-Score: 4/9
Positives
- Piotroski F-Score of 4 indicates stability
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
- Lack of Altman Z-Score data for financial specific risk
Dividend
40/100
Yield 1.79%, Payout 28%
Positives
- Low payout ratio (28%) ensures safety
Watchpoints
- Low absolute yield (1.79%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$15.65
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FUSB and closest competitors.
Updated 2026-04-09
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FUSB
First US Bancshares, Inc.
Primary
|
+75.7% | +111.4% | +23.6% | +28.1% | +5.5% | +1.6% |
|
FNWB
First Northwest Bancorp
Peer
|
-35.1% | -13.1% | -3.6% | +25.1% | +7.4% | +8.0% |
|
AUBN
Auburn National Bancorporation, Inc.
Peer
|
-20.2% | +29.4% | +20.2% | -5.4% | -0.9% | +8.0% |
|
BMHL
Bluemount Holdings Limited
Peer
|
-7.6% | -7.6% | -7.6% | -11.6% | +2.1% | -0.9% |
|
BOTJ
Bank of the James Financial Group, Inc.
Peer
|
+68.8% | +56.9% | +39.0% | +33.3% | -3.0% | -1.2% |
FUS
First US Bancshares, Inc.
Primary
5Y
+75.7%
3Y
+111.4%
1Y
+23.6%
6M
+28.1%
1M
+5.5%
1W
+1.6%
FNW
First Northwest Bancorp
Peer
5Y
-35.1%
3Y
-13.1%
1Y
-3.6%
6M
+25.1%
1M
+7.4%
1W
+8.0%
AUB
Auburn National Bancorporation, Inc.
Peer
5Y
-20.2%
3Y
+29.4%
1Y
+20.2%
6M
-5.4%
1M
-0.9%
1W
+8.0%
BMH
Bluemount Holdings Limited
Peer
5Y
-7.6%
3Y
-7.6%
1Y
-7.6%
6M
-11.6%
1M
+2.1%
1W
-0.9%
BOT
Bank of the James Financial Group, Inc.
Peer
5Y
+68.8%
3Y
+56.9%
1Y
+39.0%
6M
+33.3%
1M
-3.0%
1W
-1.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
15.65
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.84
P/S Ratio
2.44
EV/Revenue
0.59
EV/EBITDA
N/A
Market Cap
$90.25M
Profitability
Profit margins and return metrics
Profit Margin
16.19%
Operating Margin
28.7%
Gross Margin
N/A
ROE
5.87%
ROA
0.53%
Growth
Revenue and earnings growth rates
Revenue Growth
+10.1%
Earnings Growth
+24.3%
Q/Q Revenue Growth
+7.07%
Q/Q Earnings Growth
+24.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$14.06
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
20.4%
Total Assets
$1.2B
Liabilities
$1.0B
Equity
$0.1B
Debt/Equity
9.93x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
88%
Quarterly Earnings History
EPS performance vs analyst estimates
2012-03-16
$-1.15
-721.6% surprise
2011-11-07
$-0.22
-216.4% surprise
2011-08-05
$0.15
+650.0% surprise
2011-05-23
$0.14
+13.8% surprise
Financial Services Sector Comparison
Comparing FUSB against 306 companies in the Financial Services sector
(53 bullish, 132 neutral, 121 bearish)
P/E Ratio
15.65
This Stock
vs
55.13
Sector Avg
-71.6%
(Discount)
Return on Equity (ROE)
5.87%
This Stock
vs
-0.93%
Sector Avg
-732.4%
(Below Avg)
Profit Margin
16.19%
This Stock
vs
69.73%
Sector Avg
-76.8%
(Weaker)
Revenue Growth
10.1%
This Stock
vs
32.66%
Sector Avg
-69.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FUSB
First US Bancshares, Inc.
|
NEUTRAL | $90.25M | 15.65 | 5.9% | 16.2% | $15.65 | |
|
FNWB
First Northwest Bancorp
|
BEARISH | $88.93M | - | -2.7% | -6.9% | $9.91 | Compare |
|
AUBN
Auburn National...
|
NEUTRAL | $91.69M | 12.62 | 8.2% | 22.1% | $26.25 | Compare |
|
BMHL
Bluemount Holdings Limited
|
BEARISH | $94.3M | 73.9 | 30.3% | 18.9% | $3.69 | Compare |
|
BOTJ
Bank of the James...
|
NEUTRAL | $82.33M | 10.35 | 10.9% | 16.6% | $18.12 | Compare |
FUSB
First US Bancshares, Inc.
NEUTRAL
Mkt Cap
$90M
P/E
15.7
ROE
5.9%
Price
$15.65
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-18 | MCPHEARSON JOHN LEE | Director | Purchase | 1,500 | $22,500 |
| 2026-02-18 | MCPHEARSON JOHN LEE | Director | Sale | 1,500 | $22,500 |
| 2026-02-09 | WILSON BRUCE N | Director | Stock Award | 425 | - |
| 2026-02-09 | BRIGGS ROBERT STEVEN | Director | Stock Award | 1,400 | - |
| 2026-02-09 | DOZIER BEVERLY J | Officer | Stock Award | 930 | - |
| 2026-02-09 | MEIGS JACK W | Director | Stock Award | 425 | - |
| 2026-02-09 | MCPHEARSON JOHN LEE | Director | Stock Award | 425 | - |
| 2026-02-09 | MABOWITZ ERIC H | Officer | Stock Award | 2,800 | - |
| 2026-02-09 | HOUSE JAMES F | Chief Executive Officer | Stock Award | 6,500 | - |
| 2026-02-09 | MITCHELL WILLIAM C | Officer | Stock Award | 3,200 | - |
| 2026-02-09 | ELLEY THOMAS S | Chief Financial Officer | Stock Award | 3,300 | - |
| 2026-02-09 | MILLER AUBREY S | Director | Stock Award | 1,000 | - |
| 2026-02-09 | HALE DAVID PETER | Director | Stock Award | 1,000 | - |
| 2026-02-09 | MCCAIN MARLENE M. | Director | Stock Award | 1,000 | - |
| 2026-02-09 | PIERCE STACI | Director | Stock Award | 1,000 | - |
MCPHEARSON JOHN LEE
Director
2026-02-18
1,500 shares
·
$22,500
MCPHEARSON JOHN LEE
Director
2026-02-18
1,500 shares
·
$22,500
WILSON BRUCE N
Director
2026-02-09
425 shares
BRIGGS ROBERT STEVEN
Director
2026-02-09
1,400 shares
DOZIER BEVERLY J
Officer
2026-02-09
930 shares
MEIGS JACK W
Director
2026-02-09
425 shares
MCPHEARSON JOHN LEE
Director
2026-02-09
425 shares
MABOWITZ ERIC H
Officer
2026-02-09
2,800 shares
HOUSE JAMES F
Chief Executive Officer
2026-02-09
6,500 shares
MITCHELL WILLIAM C
Officer
2026-02-09
3,200 shares
ELLEY THOMAS S
Chief Financial Officer
2026-02-09
3,300 shares
MILLER AUBREY S
Director
2026-02-09
1,000 shares
HALE DAVID PETER
Director
2026-02-09
1,000 shares
MCCAIN MARLENE M.
Director
2026-02-09
1,000 shares
PIERCE STACI
Director
2026-02-09
1,000 shares
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning FUSB from our newsroom.
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