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First US Bancshares, Inc. (FUSB)

Financial Services | Banks - Regional | Birmingham, United States | NasdaqCM
16.56 USD

Short-term:★★⯪☆☆Long-term:★★★☆☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 5 a.m. EDT

The stock presents a classic value trap scenario where attractive metrics mask a fragile operational reality. While the price-to-book ratio of 0.88 suggests deep value, the underlying fundamentals tell a different story: Return on Equity is a modest 6%, and Return on Assets is a negligible 0.54%, indicating the bank is barely generating capital efficiency. The recent price action shows a slight uptick, trading above its 50-day moving average, which provides a minor technical floor, but the statistical forecasting model predicts a -2.66% move over the next 45 days, highlighting a disconnect between the current sentiment and the immediate price trajectory. The dividend yield of 1.7% is sustainable given the low payout ratio, yet it offers no real protection against the slow growth trajectory. Over the last nine years, the business has been volatile, swinging between massive gains and double-digit losses, with no consistent multi-year expansion. This lack of sustained growth and low capital efficiency makes it difficult to justify a bullish stance despite the cheap valuation.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL_50_126 ✓0.014658
MSTL_1260.016991
AutoTheta0.020560
MSTL_500.022001
MSTL0.022879
AutoARIMA0.024713
AutoETS0.024720

Forecast horizon: 60 days | Selected: MSTL_50_126

Forecast Reliability
Score 54%
H-stat 0.62
Ljung-Box p 0.003
Jarque-Bera p 0.619
Excess Kurtosis -0.43
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-11
Last Dividend Date 2026-06-11
Revenue per Share 6.475
Market Cap 92,193,936
Trailing P/E 15.92
Beta 0.23
Profit Margins 16.41%
Website https://www.fusb.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.43% 1.97% 2.03% 1.86%
Dividend History
Date Dividend Yield %
2026-06-12 0.070 0.432900
2026-03-13 0.070 0.467602
2025-12-12 0.070 0.489510
2025-09-12 0.070 0.583333
2025-06-13 0.070 0.559105
2025-03-14 0.070 0.518519
2024-12-13 0.070 0.507246
2024-09-13 0.050 0.453309
2024-06-07 0.050 0.478927
2024-03-07 0.050 0.500000
2023-12-07 0.050 0.535906
2023-09-07 0.050 0.573394
2023-06-08 0.050 0.694444
2023-03-09 0.050 0.515464
2022-12-08 0.050 0.586166
2022-09-08 0.030 0.314795
2022-06-09 0.030 0.273723
2022-03-09 0.030 0.279851
2021-12-09 0.030 0.263158
2021-09-09 0.030 0.293255
2021-06-10 0.030 0.255754
2021-03-11 0.030 0.331492
2020-12-10 0.030 0.333333
2020-09-10 0.030 0.449102
2020-06-11 0.030 0.422535
2020-03-11 0.030 0.363636
2019-12-11 0.030 0.284900
2019-09-11 0.020 0.226757
2019-06-06 0.020 0.211864
2019-03-11 0.020 0.200000
2018-12-06 0.020 0.235294
2018-09-06 0.020 0.180668
2018-06-07 0.020 0.172563
2018-03-08 0.020 0.170794
2017-12-07 0.020 0.142857
2017-09-07 0.020 0.180505
2017-06-07 0.020 0.181984
2017-03-08 0.020 0.162602
2016-12-07 0.020 0.175285
2016-09-07 0.020 0.219780
2016-06-08 0.020 0.217628
2016-03-09 0.020 0.235571
2015-12-09 0.020 0.233918
2015-09-09 0.020 0.234192
2015-06-10 0.020 0.242424
2015-03-10 0.020 0.240964
2014-12-10 0.020 0.228571
2014-09-10 0.010 0.119048
2011-03-09 0.040 0.440044
2010-12-08 0.110 1.100000
2010-09-08 0.110 1.070039
2010-06-09 0.110 1.015697
2010-03-10 0.110 0.641774
2009-12-09 0.110 0.577125
2009-09-09 0.110 0.495942
2009-06-10 0.110 0.585106
2009-03-11 0.270 1.818182
2008-12-10 0.270 1.495845
2008-09-10 0.270 1.658477
2008-06-10 0.270 1.520270
2008-03-11 0.270 1.562500
2007-12-05 0.260 1.354167
2007-09-05 0.260 1.133886
2007-06-06 0.260 0.970149
2007-03-07 0.410 1.419668
2006-12-06 0.230 0.825556
2006-09-06 0.230 0.823487
2006-06-07 0.230 0.854066
2006-03-08 0.380 1.447619
2005-12-07 0.200 0.674536
2005-09-07 0.200 0.628931
2005-06-08 0.200 0.644122
2005-03-08 0.350 1.169786
2004-12-08 0.180 0.586510
2004-09-08 0.180 0.679245
2004-06-08 0.180 0.850662
2004-03-09 0.180 0.677201
2003-12-09 0.170 0.589664
2003-09-09 0.170 0.516874
2003-06-09 0.165 0.694298
2003-03-06 0.165 0.758621
2002-12-06 0.150 0.961538
2002-09-06 0.150 1.025641
2002-06-07 0.150 1.107011
2002-03-07 0.150 1.045296
2001-12-07 0.135 0.950704
2001-09-07 0.125 0.917431
2001-06-08 0.125 0.997606
2001-03-15 0.125 0.917431
2000-12-08 0.115 0.910891
2000-09-12 0.115 0.876190
Additional Data
dividendRate 0.28
dividendYield 1.69
exDividendDate 2026-06-12
trailingAnnualDividendRate 0.28
trailingAnnualDividendYield 0.016908213
lastDividendValue 0.07
lastDividendDate 2026-06-12
dividendDate 2026-07-01

Info Dump

Attribute Value
52 Week Change 0.3018868
Address1 3,291 U.S. Highway 280
All Time High 35.47
All Time Low 3.02
Ask 16.02
Ask Size 1
Average Daily Volume10 Day 1,750
Average Daily Volume3 Month 4,039
Average Volume 4,039
Average Volume10Days 1,750
Beta 0.234
Bid 15.73
Bid Size 1
Book Value 18.671
City Birmingham
Compensation As Of Epoch Date 1,483,142,400
Country United States
Crypto Tradeable 0
Currency USD
Current Price 16.56
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 16.9821
Day Low 16.51
Display Name First US Bancshares
Dividend Date 1,782,864,000
Dividend Rate 0.28
Dividend Yield 1.69
Earnings Growth 0.138
Earnings Quarterly Growth 0.098
Earnings Timestamp End 1,753,732,800
Earnings Timestamp Start 1,753,214,400
Ebitda Margins 0.0
Enterprise To Revenue 0.479
Enterprise Value 17,989,942
Eps Trailing Twelve Months 1.04
Esg Populated 0
Ex Dividend Date 1,781,222,400
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 16.2466
Fifty Day Average Change 0.31340027
Fifty Day Average Change Percent 0.019290207
Fifty Two Week Change Percent 30.188679
Fifty Two Week High 16.99
Fifty Two Week High Change -0.4300003
Fifty Two Week High Change Percent -0.025309024
Fifty Two Week Low 10.3
Fifty Two Week Low Change 6.2599993
Fifty Two Week Low Change Percent 0.6077669
Fifty Two Week Range 10.3 - 16.99
Financial Currency USD
First Trade Date Milliseconds 916,065,000,000
Five Year Avg Dividend Yield 1.71
Float Shares 4,061,989
Full Exchange Name NasdaqCM
Full Time Employees 153
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 37,563,000
Has Pre Post Market Data 1
Held Percent Insiders 0.15949
Held Percent Institutions 0.18837999
Implied Shares Outstanding 5,567,267
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,781,222,400
Last Dividend Value 0.07
Last Fiscal Year End 1,767,139,200
Last Split Date 1,058,918,400
Last Split Factor 2:1
Long Business Summary First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services in the United States. It offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. The company's loan products include commercial construction, land, and land development loans, including residential housing projects, commercial and industrial development, and for purchase and improvement of raw land for agricultural production; mortgage loans on one-to-four family and multi-family residential properties; real estate loans secured by commercial and industrial properties, office or mixed-use facilities, strip shopping centers, and other commercial properties; commercial and industrial loans and leases; and secured and unsecured personal loans, including automobile loans, loans for household and personal purposes, and other direct consumer installment loans. It also provides loans secured by collateral. In addition, the company offers letters of credit; and safe deposit box and remote deposit capture services. It serves small-and medium-sized businesses, property managers, business executives, professionals, and other individuals. The company was formerly known as United Security Bancshares, Inc. and changed its name to First US Bancshares, Inc. in October 2016. First US Bancshares, Inc. was founded in 1952 and is headquartered in Birmingham, Alabama.
Long Name First US Bancshares, Inc.
Market us_market
Market Cap 92,193,936
Market State REGULAR
Max Age 86,400
Message Board Id finmb_405119
Most Recent Quarter 1,774,915,200
Net Income To Common 6,165,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 92,193,941
Open 16.94
Operating Cashflow 14,673,000
Operating Margins 0.25099
Payout Ratio 0.2692
Phone 205 582 1200
Previous Close 16.56
Price Hint 2
Price To Book 0.88693696
Price To Sales Trailing12 Months 2.4543817
Profit Margins 0.16412
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.0
Regular Market Change Percent 0.0
Regular Market Day High 16.9821
Regular Market Day Low 16.51
Regular Market Day Range 16.51 - 16.9821
Regular Market Open 16.94
Regular Market Previous Close 16.56
Regular Market Price 16.56
Regular Market Time 1,783,972,801
Regular Market Volume 34
Return On Assets 0.00538
Return On Equity 0.05989
Revenue Growth 0.06
Revenue Per Share 6.475
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 5,567,267
Shares Percent Shares Out 0.0019
Shares Short 10,524
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 7,529
Short Name First US Bancshares, Inc.
Short Percent Of Float 0.0021
Short Ratio 4.06
Source Interval 15
State AL
Symbol FUSB
Total Cash 86,831,000
Total Cash Per Share 15.597
Total Debt 12,627,000
Total Revenue 37,563,000
Tradeable 0
Trailing Annual Dividend Rate 0.28
Trailing Annual Dividend Yield 0.016908213
Trailing Eps 1.04
Trailing P E 15.923077
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 14.69665
Two Hundred Day Average Change 1.8633499
Two Hundred Day Average Change Percent 0.1267874
Type Disp Equity
Volume 34
Website https://www.fusb.com
Zip 35,243