Stocks · Financial Services · Banks - Regional
First US Bancshares, Inc. FUSB
$16.50 +0.06% Close, Oct 2, 2026 · NASDAQ · Market cap $91.9M
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $1.31, up 35.7% year over year.
- The stock is in an uptrend: above its 200-day average for 232 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $64.2M, up 3.6% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 39%
- EPS growth (TTM, YoY)Top 31%
- FCF growth (TTM, YoY)Bottom 31%
- Revenue growth, 3-year CAGRBottom 40%
- Revenue growth accelerationTop 49%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 38%
- Gross marginBottom 40%
- Operating marginBottom 36%
- Cash conversion (OCF / net income)Top 30%
- Accruals (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Bottom 42%
- Interest coverBottom 24%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 37%
- Free-cash-flow yieldBottom 45%
- EBITDA / enterprise valueTop 28%
- Sales / enterprise valueTop 24%
- P/E vs own 5-year history (lower is better)Bottom 49%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 19%
- 6-month returnTop 47%
- 1-year return vs S&P 500Top 17%
- Distance from 52-week highTop 14%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 41%
- Maximum drawdown, 3 yearsTop 35%
- Beta vs S&P 500 (lower is better)Top 4%
- Net debt / EBITDA (lower is better)Bottom 42%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.7% | 3.6% | ↓ |
| EPS growth (YoY) | -19.9% | 35.7% | ↑ |
| Gross margin | 58.2% | 62.1% | ↑ |
| Operating margin | 12.5% | 15.8% | ↑ |
| FCF margin | 11.0% | 10.4% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.6% | 3.7% | ↓ | Bottom 39% |
| EPS growth (TTM, YoY) | 35.7% | -19.9% | ↑ | Top 31% |
| Gross margin | 62.1% | 58.2% | ↑ | Bottom 40% |
| Operating margin | 15.8% | 12.5% | ↑ | Bottom 36% |
| Net margin | 12.1% | 9.5% | ↑ | — |
| Free-cash-flow margin | 10.4% | 11.0% | ↓ | — |
| Return on invested capital | 0.7% | — | Bottom 38% | |
| Revenue growth, 3-year CAGR | 12.4% | — | Bottom 40% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.48×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -0.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.04×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.73%
- Net buyback yield (TTM)
- 5.33%
- Shareholder yield
- 7.06%
- Share count change, 1 year
- -2.7%
- Share count change, 3-year CAGR
- -3.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 7 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | — | +0.0% | -2.1% | +0.1% | — |
| Apr 29, 2026 | — | +1.9% | -0.6% | +0.1% | +2.9% |
| Jan 28, 2026 | — | +0.0% | +9.9% | +5.3% | +9.8% |
| Oct 29, 2025 | — | -2.2% | +3.9% | +9.5% | +16.0% |
| Jul 30, 2025 | — | +2.8% | +2.2% | -9.8% | -3.8% |
| Apr 30, 2025 | — | -0.1% | +1.1% | +3.0% | +4.9% |
| Jan 27, 2025 | — | -0.1% | -1.6% | +5.4% | +0.3% |
| Oct 24, 2024 | — | +3.2% | +0.6% | +8.2% | +15.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.31 | — | — | $16.0M |
| Apr 29, 2026 | $0.33 | — | — | $15.8M |
| Jan 28, 2026 | $0.36 | — | — | $16.3M |
| Oct 29, 2025 | $0.32 | — | — | $16.1M |
| Jul 30, 2025 | $0.03 | — | — | $15.7M |
| Apr 30, 2025 | $0.29 | — | — | $14.9M |
| Jan 27, 2025 | $0.29 | — | — | $9.7M |
| Oct 24, 2024 | $0.36 | — | — | $10.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.6× | 10.2× | 57th | Top 37% |
| EV / EBITDA | 9.8× | — | — | Top 28% |
| EV / Sales | 1.81× | — | — | Top 24% |
| Free-cash-flow yield | 7.23% | — | — | Bottom 45% |
| Earnings yield | 7.94% | — | — | Top 37% |
P/E over the past five years
Range 6.1× – 23.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +33.7%
- Earnings per share growth (TTM)
- +35.7%
- Change in P/E multiple
- -3.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 232
- 50-day average slope (20 days)
- -0.2%
- 200-day average slope (20 days)
- +1.8%
- Distance from 50-day average
- -0.1%
- Distance from 200-day average
- +5.1%
- RSI (14)
- 50.3
- Relative volume
- 0.37×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.1%
- Volatility vs own 5-year history
- 3th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- -0.01
- Correlation with S&P 500
- -0.01
- Current drawdown from 1-year high
- -2.9%
- Maximum drawdown, 3 years
- -24.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 7, 2021 | Mar 24, 2023 | -47.6% | 453 days | 415 days (Nov 15, 2024) |
| Dec 4, 2024 | Aug 27, 2025 | -24.4% | 181 days | 75 days (Dec 12, 2025) |
| Dec 14, 2020 | Jan 26, 2021 | -15.1% | 28 days | 53 days (Apr 13, 2021) |
| Oct 21, 2020 | Oct 28, 2020 | -11.1% | 5 days | 8 days (Nov 9, 2020) |
| May 21, 2021 | Jun 1, 2021 | -10.2% | 6 days | 4 days (Jun 7, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $91.9M
- P/E (TTM)
- 12.6
- EPS, diluted (TTM)
- $1.31
- Revenue (TTM)
- $64.2M
- Dividend yield
- 1.70%
- 52-week range
- $12.07 – $16.99
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $43.4M | $44.3M | $56.2M | $61.8M | $63.0M |
| Gross profit | $38.5M | $36.8M | $40.4M | $39.1M | $37.0M |
| Operating income | $5.7M | $9.0M | $11.3M | $10.8M | $7.9M |
| Net income | $4.5M | $6.9M | $8.5M | $8.2M | $6.0M |
| EPS (diluted) | $0.66 | $1.06 | $1.33 | $1.33 | $0.99 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $15.9M | $15.4M | $14.9M | $15.7M | $16.1M | $16.3M | $15.8M | $16.0M |
| Net income | $2.2M | $1.7M | $1.8M | $155,000 | $1.9M | $2.1M | $1.9M | $1.8M |
| EPS (diluted) | $0.36 | $0.29 | $0.29 | $0.03 | $0.32 | $0.35 | $0.33 | $0.31 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $9.8M | $12.5M | $13.1M | $7.8M | $12.3M |
| Capital expenditure | -$822,000 | -$1.3M | -$1.5M | -$2.1M | -$3.2M |
| Free cash flow | $9.0M | $11.3M | $11.6M | $5.7M | $9.1M |
| Dividends paid | -$745,000 | -$832,000 | -$1.2M | -$1.3M | -$1.6M |
| Net share buybacks | -$525,000 | -$4.5M | -$1.4M | -$1.6M | -$1.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $177.3M
- Total assets
- $1.15B
- Total liabilities
- $1.04B
- Total debt
- $36.0M
- Net debt
- $24.3M
- Shareholders’ equity
- $104.3M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 11, 2026 | $0.07 | Oct 1, 2026 |
| Jun 12, 2026 | $0.07 | Jul 1, 2026 |
| Mar 13, 2026 | $0.07 | Apr 1, 2026 |
| Dec 12, 2025 | $0.07 | Jan 2, 2026 |
| Sep 12, 2025 | $0.07 | Oct 1, 2025 |
| Jun 13, 2025 | $0.07 | Jul 1, 2025 |
| Mar 14, 2025 | $0.07 | Apr 1, 2025 |
| Dec 13, 2024 | $0.07 | Jan 2, 2025 |
Short interest
- Shares sold short
- 10,190
- Days to cover
- 1.68
- Change vs previous report
- +9.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 23, 2003
- 2-for-1