Start here if you're new
what it is
It is a community bank that takes deposits and makes loans.
how it gets paid
Last year First Us Bancshares made $59M in revenue.
why it's growing
Revenue grew 289.3% last year. EPS of $0.36 mattered most because it showed the bank still turns revenue into profit at a faster clip than sales grew.
what just happened
Quarterly revenue hit $15M, and EPS came in at $0.36.
At a glance
B balance sheet — gets the job done, barely
40/100 earnings predictability — expect surprises
15.1x trailing p/e — the market's not buying it — or you found a deal
1.9% dividend yield — cash in your pocket every quarter
$1.33 fy2024 eps est
xvary composite: 53/100 — below average
What they do
It is a community bank that takes deposits and makes loans.
First US Bancshares runs 6 deposit types and 6 loan buckets. That is boring on purpose. Your checking, savings, and loan files all sit in one place, and leaving means moving the whole mess. 151 employees keep the machine small enough to avoid theater.
How they make money
$59M
annual revenue · their business grew +289.3% last year
total revenue
$59M
+289.3%
The products that matter
lending spread income
Net interest income
$37M · 63% of segment revenue lines
this is the core engine. it produced $37M in the current segment view, which means most of your economics still come from borrowing short and lending long.
core profit driver
fees and other banking income
Non-interest income
$22M · 37% of segment revenue lines
this $22M line gives the bank some diversification, but it was flat. in human-speak: the backup engine is running, just not accelerating.
flat growth
cash returned to shareholders
Quarterly dividend
$0.07 per share · 1.9% yield
you get $0.07 per share each quarter. useful, but on a $14 stock the bigger question is still whether earnings stabilize.
income, not thesis
Key numbers
$59M
TTM revenue
This is the whole top line. On an $85M market cap, you are paying about 1.4x sales.
15.1x
trailing p/e
You are paying 15.1 times last year's earnings. For a bank, that is neither cheap nor heroic.
1.9%
dividend yield
You get $1.90 a year for every $100 invested. That matters when growth is slow.
$11M
long debt
Long-term debt is 11% of capital. That keeps leverage from running the whole show.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 60 / 100
- long-term debt $11M (11% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for FUSB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Quarterly revenue hit $15M, and EPS came in at $0.36.
Revenue rose 6% vs. prior year to $15M. EPS rose 24% vs. prior year to $0.36. Gross margin was not disclosed in the filing.
$15M
revenue
$0.36
eps
n/a
n/a
the number that mattered
EPS of $0.36 mattered most because it showed the bank still turns revenue into profit at a faster clip than sales grew.
source: company earnings report, 2026
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What could go wrong
the #1 risk here is deposit-cost pressure hitting net interest income. for a bank with $37M in net interest income and EPS already down to $1.03, that is the whole movie.
high
deposit-cost pressure
Banks live on the spread between what they earn on loans and what they pay depositors. here, net interest income is $37M, so even modest pressure on that line matters fast.
proof beat: EPS already fell from $1.40 to $1.03. another weak year would make the current 15.1x multiple harder to defend.
med
credit quality in commercial lending
This is a commercial bank. if credit losses rise, provisions go up and earnings go down. the page does not give a detailed loan mix, so you should treat that missing data as a risk, not a footnote.
thin-data reality: with only $85M of market cap and $1.03 of EPS, there is not much earnings cushion for a bad credit turn.
low
capital allocation discipline
The bank is paying a $0.07 quarterly dividend and expanded its buyback program in november 2025. those moves help only if profitability stabilizes. buying back stock while returns stay stuck at 5.87% is not financial engineering magic.
you want capital returned from strength, not used to distract from weak operating performance.
At $1.03 EPS, 5.87% return on equity, and an ~$85M market cap, this is a narrow-margin equity story. small disappointments matter more here than they do at bigger banks.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest income
If the next report shows this $37M engine weakening again, the earnings pressure story is still alive. if it stabilizes, the bear case loses its easiest argument.
calendar
next quarterly report
You want the next earnings release and 10-Q because this page is thin on loan detail. that filing should tell you more about funding costs, margins, and credit quality.
risk
credit commentary
Listen for any change in management language around commercial real estate, delinquencies, or reserve building. for a bank this size, small credit issues do not stay small for long.
trend
capital return versus earnings
Track whether the $0.07 dividend and buybacks are being funded by stable earnings or by optimism. same actions, very different signal.
Analyst rankings
earnings predictability
40 / 100
a 40 / 100 score means the earnings line has been uneven. in human-speak, analysts do not view this as a bank with smooth, dependable quarterly results.
risk rank
3
Risk rank 3 is roughly middle of the road. safer than the market's weakest names, but not the kind of safety score that lets you ignore execution.
balance sheet grade
B
B means functional. you have enough balance-sheet quality to operate, not enough to call this a fortress-bank story.
source: institutional data
Institutional activity
institutional ownership data for FUSB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$14
current price
n/a
target midpoint · n/a from current
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