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First Us Bancsh (FUSB) Financials

First Us Bancsh logo
$16.61 +0.16 (+0.95%)
As of 01:31 PM Eastern
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Annual Income Statements for First Us Bancsh

Annual Income Statements for First Us Bancsh

This table shows First Us Bancsh's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 2.60 1.22 -0.41 2.49 4.57 2.71 4.45 6.86 8.49 8.17 5.99
Consolidated Net Income / (Loss)		 2.60 1.22 -0.41 2.49 4.57 2.71 4.45 6.86 8.49 8.17 5.99
Net Income / (Loss) Continuing Operations		 2.60 1.22 -0.41 2.49 4.57 2.71 4.45 6.86 8.49 8.17 5.99
Total Pre-Tax Income 		3.55 1.39 2.62 3.39 5.81 3.53 5.73 9.01 11 11 7.94
Total Revenue		 32 33 33 38 42 41 40 40 41 40 41
Net Interest Income / (Expense)		 28 28 28 33 37 36 37 37 37 36 37
Total Interest Income		 30 30 31 37 44 40 40 41 53 58 59
Loans and Leases Interest Income		 25 26 27 33 40 38 38 38 48 51 52
Investment Securities Interest Income		 4.72 4.22 4.10 4.24 3.95 2.13 1.69 2.67 2.87 4.40 5.76
Deposits and Money Market Investments Interest Income		 - - - - - - - 0.44 2.00 1.96 1.50
Other Interest Income		 - - - - - - - 0.08 0.19 0.44 0.31
Total Interest Expense		 2.29 2.27 2.71 4.35 6.65 4.61 2.95 4.26 15 22 22
Deposits Interest Expense		 2.26 2.09 2.41 4.15 6.55 4.48 2.67 3.38 14 22 21
Short-Term Borrowings Interest Expense		 0.00 0.03 0.12 0.12 0.09 0.14 0.28 0.87 1.11 0.56 1.05
Long-Term Debt Interest Expense		 0.02 0.15 0.18 0.08 - 0.00 0.00 0.00 0.00 0.00 0.00
Total Non-Interest Income		 4.53 5.20 4.67 5.61 5.37 5.01 3.52 3.45 3.38 3.58 3.58
Other Service Charges		 4.07 4.54 2.56 2.11 2.13 1.97 2.67 1.43 2.43 2.55 1.36
Other Non-Interest Income		 - - 1.88 2.40 3.15 2.71 0.83 2.02 0.95 1.03 2.22
Provision for Credit Losses		 0.22 3.20 1.99 2.62 2.71 2.95 2.01 3.31 0.32 0.62 4.03
Total Non-Interest Expense		 28 28 28 32 34 34 33 28 29 28 29
Salaries and Employee Benefits		 17 17 17 19 20 21 19 16 16 15 15
Net Occupancy & Equipment Expense		 3.12 3.15 3.16 3.68 4.23 4.19 4.39 3.28 3.48 3.76 3.80
Other Operating Expenses		 8.60 8.68 7.91 8.30 9.20 9.58 9.21 8.37 9.59 9.14 10
Income Tax Expense		 0.95 0.17 3.04 0.90 1.25 0.83 1.28 2.15 2.79 2.58 1.94
Basic Earnings per Share		 $0.42 $0.20 ($0.07) $0.40 $0.71 $0.43 $0.70 $1.13 $1.42 $1.40 $1.03
Weighted Average Basic Shares Outstanding		 6.04M 6.06M 6.09M 6.30M 6.14M 6.21M 6.16M 5.87M 5.79M 5.76M 5.65M
Diluted Earnings per Share		 $0.41 $0.19 ($0.07) $0.37 $0.67 $0.40 $0.66 $1.06 $1.33 $1.33 $1.00
Weighted Average Diluted Shares Outstanding		 6.04M 6.06M 6.09M 6.30M 6.14M 6.21M 6.16M 5.87M 5.79M 5.76M 5.65M
Weighted Average Basic & Diluted Shares Outstanding		 6.04M 6.06M 6.09M 6.30M 6.14M 6.21M 6.16M 5.87M 5.79M 5.76M 5.65M
Cash Dividends to Common per Share		 $0.08 $0.08 $0.08 $0.08 $0.09 $0.12 $0.12 $0.14 $0.20 $0.22 $0.28

Quarterly Income Statements for First Us Bancsh

This table shows First Us Bancsh's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.28 2.11 2.13 2.22 1.71 1.77 0.16 1.94 2.13 1.95 1.75
Consolidated Net Income / (Loss)		 2.28 2.11 2.13 2.22 1.71 1.77 0.16 1.94 2.13 1.95 1.75
Net Income / (Loss) Continuing Operations		 2.28 2.11 2.13 2.22 1.71 1.77 0.16 1.94 2.13 1.95 1.75
Total Pre-Tax Income 		3.06 2.76 2.74 2.94 2.31 2.33 0.16 2.52 2.93 2.46 2.24
Total Revenue		 10 9.91 10 10 9.73 9.77 10 11 10 10 11
Net Interest Income / (Expense)		 9.11 9.04 9.18 9.19 8.75 8.90 9.48 9.66 9.42 9.22 9.50
Total Interest Income		 14 14 15 15 14 14 15 15 15 15 15
Loans and Leases Interest Income		 12 13 13 13 12 12 13 13 13 12 13
Investment Securities Interest Income		 0.83 0.87 1.11 1.12 1.31 1.41 1.34 1.39 1.62 1.69 1.72
Deposits and Money Market Investments Interest Income		 0.64 0.45 0.42 0.60 0.48 0.29 0.45 0.40 0.36 0.60 0.30
Other Interest Income		 0.06 0.11 0.09 0.09 0.16 0.08 0.08 0.08 0.08 0.16 0.08
Total Interest Expense		 4.84 5.24 5.37 5.83 5.67 5.12 5.38 5.62 5.84 5.73 5.16
Deposits Interest Expense		 4.67 5.10 5.21 5.71 5.53 4.87 5.13 5.37 5.54 5.61 4.92
Short-Term Borrowings Interest Expense		 0.17 0.14 0.16 0.12 0.14 0.25 0.25 0.25 0.30 0.12 0.24
Total Non-Interest Income		 0.92 0.87 0.84 0.90 0.98 0.88 0.85 0.86 1.00 0.84 1.32
Other Service Charges		 1.24 0.31 0.28 0.64 1.32 0.59 0.30 0.31 0.44 0.29 0.31
Net Realized & Unrealized Capital Gains on Investments		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.46
Other Non-Interest Income		 -0.33 0.56 0.55 0.26 -0.33 0.28 0.55 0.55 0.55 0.55 0.55
Provision for Credit Losses		 -0.43 0.00 0.00 0.15 0.47 0.53 2.72 0.57 0.22 0.25 0.94
Total Non-Interest Expense		 7.40 7.15 7.27 6.99 6.95 6.92 7.44 7.44 7.27 7.34 7.64
Salaries and Employee Benefits		 3.77 4.09 3.89 3.84 3.65 3.74 3.95 3.76 3.83 3.81 3.90
Net Occupancy & Equipment Expense		 0.85 0.89 0.95 0.96 0.96 0.88 0.94 0.99 1.00 0.97 1.02
Other Operating Expenses		 2.78 2.17 2.43 2.20 2.35 2.31 2.56 2.69 2.44 2.56 2.73
Income Tax Expense		 0.78 0.65 0.61 0.72 0.60 0.55 0.01 0.58 0.80 0.52 0.48
Basic Earnings per Share		 $0.38 $0.36 $0.36 $0.38 $0.30 $0.30 $0.03 $0.33 $0.37 $0.34 $0.31
Weighted Average Basic Shares Outstanding		 5.79M 5.79M 5.74M 5.72M 5.76M 5.74M 5.76M 5.77M 5.65M 5.57M 5.50M
Diluted Earnings per Share		 $0.36 $0.34 $0.34 $0.36 $0.29 $0.29 $0.03 $0.32 $0.36 $0.33 $0.31
Weighted Average Diluted Shares Outstanding		 5.79M 5.79M 5.74M 5.72M 5.76M 5.74M 5.76M 5.77M 5.65M 5.57M 5.50M
Weighted Average Basic & Diluted Shares Outstanding		 5.79M 5.79M 5.74M 5.72M 5.76M 5.74M 5.76M 5.77M 5.65M 5.57M 5.50M
Cash Dividends to Common per Share		 $0.05 $0.05 $0.05 $0.05 $0.07 $0.07 $0.07 $0.07 $0.07 $0.07 $0.07

Annual Cash Flow Statements for First Us Bancsh

This table details how cash moves in and out of First Us Bancsh's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 9.91 -21 3.59 22 7.43 37 -33 -31 20 -3.06 26
Net Cash From Operating Activities		 7.40 8.18 6.75 8.06 11 6.09 9.83 13 13 7.76 12
Net Cash From Continuing Operating Activities		 7.40 8.18 6.75 8.06 11 6.09 9.83 13 13 7.76 12
Net Income / (Loss) Continuing Operations		 2.60 1.22 -0.41 2.49 4.57 2.71 4.45 6.86 8.49 8.17 5.99
Consolidated Net Income / (Loss)		 2.60 1.22 -0.41 2.49 4.57 2.71 4.45 6.86 8.49 8.17 5.99
Provision For Loan Losses		 0.22 3.20 1.99 2.62 2.71 2.95 2.01 3.31 0.32 0.62 4.03
Depreciation Expense		 0.87 0.97 1.13 1.46 1.61 1.68 1.69 1.61 1.58 1.59 1.70
Amortization Expense		 1.68 1.52 1.10 0.98 1.05 0.84 0.68 0.46 0.22 -0.16 -0.70
Non-Cash Adjustments to Reconcile Net Income		 1.85 0.58 0.73 2.29 1.89 0.97 -0.04 0.32 2.36 0.49 0.79
Changes in Operating Assets and Liabilities, net		 0.19 0.69 2.21 -1.76 -0.51 -3.04 1.03 -0.04 0.10 -2.95 0.51
Net Cash From Investing Activities		 0.47 -59 -23 2.70 9.72 -66 -108 -80 -60 -30 -28
Net Cash From Continuing Investing Activities		 0.47 -59 -23 2.70 9.72 -66 -108 -80 -60 -30 -28
Purchase of Property, Leasehold Improvements and Equipment		 -3.66 -7.89 -10 -1.55 -3.18 -0.96 -0.82 -1.26 -1.46 -2.10 -3.24
Purchase of Investment Securities		 -92 -157 -56 -57 -44 -133 -151 -109 -64 -62 -78
Sale of Property, Leasehold Improvements and Equipment		 4.15 1.66 1.35 3.10 1.26 2.62 2.06 3.08 0.50 0.87 1.97
Sale and/or Maturity of Investments		 92 104 58 51 57 55 42 29 13 29 50
Net Increase in Fed Funds Sold		 - 0.00 -15 6.65 -1.73 10.00 0.00 -1.69 -7.71 3.75 0.88
Net Cash From Financing Activities		 2.03 31 19 12 -14 97 65 37 68 20 42
Net Cash From Continuing Financing Activities		 2.03 31 19 12 -14 97 65 37 68 20 42
Net Change in Deposits		 -4.40 18 20 47 -21 99 56 32 80 22 55
Repayment of Debt		 -5.08 0.00 -5.00 -35 - - - 9.99 -10 - -10
Repurchase of Common Equity		 - - - - -1.48 -0.45 -0.53 -4.48 -1.42 -1.64 -1.76
Payment of Dividends		 -0.48 -0.48 -0.49 -0.50 -0.56 -0.74 -0.75 -0.83 -1.18 -1.26 -1.61
Other Financing Activities, Net		 - 0.00 -0.05 - - 0.00 -0.01 0.00 -0.03 0.06 0.09

Quarterly Cash Flow Statements for First Us Bancsh

This table details how cash moves in and out of First Us Bancsh's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -16 9.96 -2.02 24 -35 8.83 -2.09 0.74 19 -6.96 -7.65
Net Cash From Operating Activities		 2.06 0.83 2.55 1.94 2.45 1.76 3.90 4.23 2.45 4.10 0.70
Net Cash From Continuing Operating Activities		 2.06 0.83 2.55 1.94 2.45 1.76 3.90 4.23 2.45 4.10 0.70
Net Income / (Loss) Continuing Operations		 2.28 2.11 2.13 2.22 1.71 1.77 0.16 1.94 2.13 1.95 1.75
Consolidated Net Income / (Loss)		 2.28 2.11 2.13 2.22 1.71 1.77 0.16 1.94 2.13 1.95 1.75
Provision For Loan Losses		 -0.43 0.00 - 0.15 0.47 0.53 2.72 0.57 0.22 0.25 0.94
Depreciation Expense		 0.40 0.39 0.39 0.38 0.44 0.42 0.42 0.42 0.43 0.46 0.47
Amortization Expense		 0.02 0.00 -0.03 -0.04 -0.10 -0.14 -0.14 -0.17 -0.26 -0.27 -0.26
Non-Cash Adjustments to Reconcile Net Income		 0.54 0.61 0.31 -0.52 0.09 0.67 -0.25 0.30 0.08 0.53 -0.20
Changes in Operating Assets and Liabilities, net		 -0.75 -2.29 -0.25 -0.26 -0.16 -1.50 1.00 1.17 -0.16 1.19 -2.01
Net Cash From Investing Activities		 -19 11 -15 11 -38 -16 -21 -3.68 12 -19 9.41
Net Cash From Continuing Investing Activities		 -19 11 -15 11 -38 -16 -21 -3.68 12 -19 9.41
Purchase of Property, Leasehold Improvements and Equipment		 -0.49 -0.97 -0.20 -0.66 -0.27 -0.07 -2.25 -0.62 -0.30 -0.47 -1.34
Purchase of Investment Securities		 -14 -7.90 -19 17 -53 -26 -35 -22 4.81 -12 -24
Sale of Property, Leasehold Improvements and Equipment		 0.50 0.29 0.19 0.22 0.17 0.43 0.20 0.29 1.05 0.24 0.31
Sale and/or Maturity of Investments		 3.07 16 3.78 4.10 5.05 9.46 16 18 6.88 6.65 20
Net Increase in Fed Funds Sold		 -8.33 3.94 0.01 -10 9.80 0.28 0.60 - - -14 14
Net Cash From Financing Activities		 1.44 -2.26 10 11 0.54 23 15 0.19 3.97 8.22 -18
Net Cash From Continuing Financing Activities		 1.44 -2.26 10 11 0.54 23 15 0.19 3.97 8.22 -18
Net Change in Deposits		 23 -6.92 11 27 -8.59 -11 25 16 25 11 -41
Issuance of Debt		 - 5.00 - -15 10 35 -10 - - 0.00 25
Repurchase of Common Equity		 -1.42 0.00 -0.82 -0.32 -0.51 -0.54 - - -1.23 -2.20 -1.44
Payment of Dividends		 -0.29 -0.29 -0.29 -0.29 -0.40 -0.40 -0.40 -0.40 -0.40 -0.40 -0.39
Other Financing Activities, Net		 - -0.05 0.07 - 0.04 -0.07 0.09 -0.03 0.10 -0.07 -0.04
Cash Interest Paid		 - 5.55 5.11 5.78 - 5.17 5.10 5.21 - 5.47 6.41
Cash Income Taxes Paid		 - 0.77 1.41 0.38 - 0.42 0.04 0.70 - 0.89 0.65

Annual Balance Sheets for First Us Bancsh

This table presents First Us Bancsh's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 576 607 626 792 789 891 958 995 1,073 1,101 1,155
Cash and Due from Banks		 7.09 7.02 7.58 9.80 12 12 11 12 13 11 9.40
Federal Funds Sold		 - 0.00 15 8.35 10 0.09 0.08 1.77 9.48 5.73 4.85
Interest Bearing Deposits at Other Banks		 37 17 20 40 45 82 50 18 37 37 64
Trading Account Securities		 231 208 180 154 108 91 134 133 137 169 169
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 764 811 813 842
Loans and Leases		 - - - - - - - 774 822 823 853
Allowance for Loan and Lease Losses		 - - - - - - - 9.42 11 10 11
Premises and Equipment, Net		 12 18 26 28 29 28 25 24 24 25 26
Intangible Assets		 - - 0.00 9.31 8.83 8.41 8.07 7.80 7.61 7.48 7.44
Other Assets		 33 34 31 28 30 30 29 33 33 34 32
Total Liabilities & Shareholders' Equity		 576 607 626 792 789 891 958 995 1,073 1,101 1,155
Total Liabilities		 499 531 549 713 704 804 868 910 982 1,002 1,049
Non-Interest Bearing Deposits		 70 76 82 109 113 152 175 170 156 158 156
Interest Bearing Deposits		 409 422 435 596 571 630 664 700 797 817 874
Short-Term Debt		 7.35 10 16 0.53 10 10 10 20 10 10 0.00
Long-Term Debt		 5.00 15 10 - - 0.00 11 11 11 11 11
Other Long-Term Liabilities		 6.96 7.74 6.32 6.83 9.77 11 9.19 8.14 9.33 7.28 7.70
Total Equity & Noncontrolling Interests		 77 76 76 79 85 87 90 85 91 99 106
Total Preferred & Common Equity		 77 76 76 79 85 87 90 85 91 99 106
Total Common Equity		 77 76 76 79 85 87 90 85 91 99 106
Common Stock		 11 11 11 14 14 14 14 15 15 16 16
Retained Earnings		 87 87 87 89 93 95 98 104 110 117 121
Treasury Stock		 -21 -21 -20 -20 -22 -22 -22 -27 -28 -30 -31
Accumulated Other Comprehensive Income / (Loss)		 0.54 -1.28 -0.87 -2.38 -0.05 -0.05 -0.28 -7.24 -6.43 -4.34 -0.78

Quarterly Balance Sheets for First Us Bancsh

This table presents First Us Bancsh's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 1,065 1,071 1,083 1,100 1,127 1,143 1,147 1,165 1,148
Cash and Due from Banks		 10 19 12 11 11 9.38 11 9.74 12
Federal Funds Sold		 1.14 5.53 5.52 16 5.45 4.85 4.85 19 4.85
Interest Bearing Deposits at Other Banks		 56 42 47 71 45 45 44 57 47
Trading Account Securities		 128 126 145 145 162 157 164 182 166
Loans and Leases, Net of Allowance		 804 813 809 793 838 860 857 833 850
Loans and Leases		 815 823 819 803 848 871 868 844 861
Allowance for Loan and Lease Losses		 11 10 10 10 10 11 11 11 11
Premises and Equipment, Net		 24 25 25 25 25 26 26 26 27
Intangible Assets		 7.64 7.57 7.53 7.50 7.47 7.45 7.44 7.44 7.44
Other Assets		 34 33 33 32 34 33 32 31 33
Total Liabilities & Shareholders' Equity		 1,065 1,071 1,083 1,100 1,127 1,143 1,147 1,165 1,148
Total Liabilities		 978 978 989 1,002 1,026 1,041 1,043 1,061 1,043
Non-Interest Bearing Deposits		 160 145 153 157 155 153 158 152 151
Interest Bearing Deposits		 769 800 804 826 808 836 847 890 848
Short-Term Debt		 30 15 15 0.00 45 35 20 0.00 25
Long-Term Debt		 11 11 11 11 11 11 11 11 11
Other Long-Term Liabilities		 8.15 7.42 7.16 7.71 6.20 6.75 7.15 8.01 7.87
Total Equity & Noncontrolling Interests		 87 92 94 98 101 102 104 105 104
Total Preferred & Common Equity		 87 92 94 98 101 102 104 105 104
Total Common Equity		 87 92 94 98 101 102 104 105 104
Common Stock		 15 15 15 15 15 16 16 16 16
Retained Earnings		 108 112 114 116 118 118 120 123 124
Treasury Stock		 -27 -28 -29 -29 -30 -30 -30 -33 -35
Accumulated Other Comprehensive Income / (Loss)		 -8.91 -6.62 -6.37 -3.48 -2.67 -2.07 -1.41 -1.26 -1.70

Annual Metrics And Ratios for First Us Bancsh

This table displays calculated financial ratios and metrics derived from First Us Bancsh's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 6,043,292.00 6,043,292.00 6,077,354.00 6,296,712.00 6,222,230.00 6,176,556.00 6,218,126.00 5,812,258.00 5,874,781.00 5,715,607.00 5,766,888.00
DEI Adjusted Shares Outstanding		 6,043,292.00 6,043,292.00 6,077,354.00 6,296,712.00 6,222,230.00 6,176,556.00 6,218,126.00 5,812,258.00 5,874,781.00 5,715,607.00 5,766,888.00
DEI Earnings Per Adjusted Shares Outstanding		 0.43 0.20 -0.07 0.40 0.73 0.44 0.72 1.18 1.44 1.43 1.04
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.19% 2.94% -0.08% 16.15% 10.18% -3.62% -0.70% -0.25% 0.84% -2.45% 3.28%
EBITDA Growth		 -17.08% -36.42% 25.25% 19.87% 45.51% -28.56% 33.81% 36.95% 17.91% -6.81% -26.71%
EBIT Growth		 -34.06% -60.72% 88.37% 29.23% 71.39% -39.23% 62.12% 57.39% 25.07% -4.59% -26.20%
NOPAT Growth		 -26.88% -52.83% -133.58% 705.84% 83.37% -40.71% 64.43% 54.21% 23.62% -3.71% -26.66%
Net Income Growth		 -26.88% -52.83% -133.58% 705.84% 83.37% -40.71% 64.43% 54.21% 23.62% -3.71% -26.66%
EPS Growth		 -28.07% -53.66% -136.84% 628.57% 81.08% -40.30% 65.00% 60.61% 25.47% 0.00% -24.81%
Operating Cash Flow Growth		 -13.58% 10.55% -17.47% 19.43% 40.32% -46.14% 61.22% 27.52% 4.29% -40.61% 58.81%
Free Cash Flow Firm Growth		 -756.29% -73.67% 92.07% 2,952.05% -142.10% 107.66% -1,325.10% 117.97% 651.85% -99.49% 13,377.27%
Invested Capital Growth		 10.90% 13.40% 0.44% -21.45% 18.52% 2.03% 14.55% 4.64% -3.89% 7.28% -2.43%
Revenue Q/Q Growth		 -0.58% 0.48% 0.97% 124.94% -31.39% 0.52% -1.63% 1.11% -1.32% -0.74% 1.71%
EBITDA Q/Q Growth		 -9.50% -19.06% 28.03% 23.04% -38.65% 4.65% 3.79% 6.25% 0.41% -6.41% 5.37%
EBIT Q/Q Growth		 -17.07% -38.28% 69.51% 40.71% -47.55% 7.88% 6.91% 8.66% 1.10% -6.49% 8.39%
NOPAT Q/Q Growth		 -9.71% -30.85% -130.44% 102.60% -35.85% -5.71% 17.60% 8.15% 0.58% -6.45% 7.44%
Net Income Q/Q Growth		 -9.71% -30.85% -130.44% 271.49% -15.96% -5.71% 17.60% 8.15% 0.58% -6.45% 7.44%
EPS Q/Q Growth		 -8.89% -32.14% -135.00% 364.29% -5.63% -6.98% 17.86% 10.42% 0.76% -5.00% 7.53%
Operating Cash Flow Q/Q Growth		 1.08% 22.65% -17.90% -9.75% 24.64% -9.93% 7.22% 2.44% -6.89% 5.28% -0.03%
Free Cash Flow Firm Q/Q Growth		 -222.30% 46.12% -181.55% 5.52% -1,431.99% 108.90% -6,486.99% 106.19% -8.27% -99.76% 143.94%
Invested Capital Q/Q Growth		 15.40% 2.19% 2.32% 2.96% 12.81% 1.04% 11.17% -13.45% -13.10% 9.28% -13.74%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 18.97% 11.72% 14.69% 15.16% 20.02% 14.84% 20.00% 27.45% 32.10% 30.67% 21.76%
EBIT Margin		 11.03% 4.21% 7.94% 8.83% 13.74% 8.66% 14.14% 22.31% 27.67% 27.07% 19.34%
Profit (Net Income) Margin		 8.07% 3.70% -1.24% 6.48% 10.79% 6.64% 10.99% 16.99% 20.83% 20.56% 14.60%
Tax Burden Percent		 73.18% 87.87% -15.66% 73.43% 78.56% 76.64% 77.73% 76.17% 75.28% 75.97% 75.50%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.82% 12.13% 115.66% 26.57% 21.44% 23.36% 22.27% 23.83% 24.72% 24.03% 24.50%
Return on Invested Capital (ROIC)		 3.05% 1.28% -0.40% 2.74% 5.23% 2.83% 4.29% 6.06% 7.47% 7.08% 5.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.05% 1.28% -0.40% 2.74% 5.23% 2.83% 4.29% 6.06% 7.47% 7.08% 5.08%
Return on Net Nonoperating Assets (RNNOA)		 0.36% 0.31% -0.13% 0.46% 0.34% 0.33% 0.75% 1.78% 2.19% 1.56% 0.79%
Return on Equity (ROE)		 3.41% 1.60% -0.54% 3.20% 5.56% 3.16% 5.04% 7.84% 9.66% 8.64% 5.87%
Cash Return on Invested Capital (CROIC)		 -7.28% -11.27% -0.84% 26.77% -11.72% 0.82% -9.27% 1.52% 11.43% 0.06% 7.54%
Operating Return on Assets (OROA)		 0.62% 0.24% 0.43% 0.48% 0.74% 0.42% 0.62% 0.92% 1.09% 0.99% 0.70%
Return on Assets (ROA)		 0.45% 0.21% -0.07% 0.35% 0.58% 0.32% 0.48% 0.70% 0.82% 0.75% 0.53%
Return on Common Equity (ROCE)		 3.41% 1.60% -0.54% 3.20% 5.56% 3.16% 5.04% 7.84% 9.66% 8.64% 5.87%
Return on Equity Simple (ROE_SIMPLE)		 3.37% 1.61% -0.54% 3.13% 5.39% 3.12% 4.94% 8.06% 9.37% 8.28% 5.67%
Net Operating Profit after Tax (NOPAT)		 2.60 1.22 -0.41 2.49 4.57 2.71 4.45 6.86 8.49 8.17 5.99
NOPAT Margin		 8.07% 3.70% -1.24% 6.48% 10.79% 6.64% 10.99% 16.99% 20.83% 20.56% 14.60%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 61.55% 59.89% 62.12% 58.46% 58.10% 60.63% 58.15% 48.77% 48.01% 48.38% 46.47%
Operating Expenses to Revenue		 88.29% 86.13% 86.05% 84.34% 79.85% 84.12% 80.90% 69.50% 71.55% 71.37% 70.84%
Earnings before Interest and Taxes (EBIT)		 3.55 1.39 2.62 3.39 5.81 3.53 5.73 9.01 11 11 7.94
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 6.10 3.88 4.86 5.82 8.47 6.05 8.10 11 13 12 8.93
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.63 0.80 0.94 0.58 0.80 0.61 0.70 0.58 0.65 0.71 0.76
Price to Tangible Book Value (P/TBV)		 0.63 0.80 0.94 0.66 0.89 0.67 0.77 0.64 0.71 0.77 0.82
Price to Revenue (P/Rev)		 1.52 1.85 2.16 1.21 1.59 1.29 1.56 1.22 1.45 1.76 1.95
Price to Earnings (P/E)		 18.79 50.05 0.00 18.61 14.78 19.51 14.16 7.15 6.97 8.58 13.38
Dividend Yield		 0.99% 0.79% 0.68% 1.09% 0.83% 1.40% 1.18% 1.66% 1.99% 1.79% 2.01%
Earnings Yield		 5.32% 2.00% 0.00% 5.37% 6.77% 5.13% 7.06% 13.98% 14.35% 11.66% 7.47%
Enterprise Value to Invested Capital (EV/IC)		 0.19 0.62 0.54 0.00 0.11 0.00 0.20 0.41 0.18 0.32 0.11
Enterprise Value to Revenue (EV/Rev)		 0.53 1.90 1.66 0.00 0.25 0.00 0.55 1.19 0.49 0.96 0.31
Enterprise Value to EBITDA (EV/EBITDA)		 2.79 16.21 11.31 0.00 1.23 0.00 2.77 4.32 1.54 3.12 1.43
Enterprise Value to EBIT (EV/EBIT)		 4.81 45.11 20.93 0.00 1.79 0.00 3.92 5.32 1.79 3.54 1.60
Enterprise Value to NOPAT (EV/NOPAT)		 6.57 51.34 0.00 0.00 2.28 0.00 5.04 6.99 2.38 4.65 2.13
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.30 7.68 8.13 0.00 0.92 0.00 2.28 3.83 1.54 4.90 1.03
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 27.75 1.55 576.11 1.43
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.16 0.33 0.34 0.01 0.12 0.12 0.23 0.36 0.23 0.21 0.10
Long-Term Debt to Equity		 0.06 0.20 0.13 0.00 0.00 0.00 0.12 0.13 0.12 0.11 0.10
Financial Leverage		 0.12 0.24 0.33 0.17 0.06 0.12 0.17 0.29 0.29 0.22 0.16
Leverage Ratio		 7.55 7.72 8.08 9.11 9.63 9.80 10.46 11.15 11.77 11.49 11.04
Compound Leverage Factor		 7.55 7.72 8.08 9.11 9.63 9.80 10.46 11.15 11.77 11.49 11.04
Debt to Total Capital		 13.82% 24.78% 25.14% 0.66% 10.58% 10.36% 18.69% 26.54% 18.67% 17.47% 9.39%
Short-Term Debt to Total Capital		 8.23% 9.98% 15.32% 0.66% 10.58% 10.36% 9.07% 17.29% 8.98% 8.37% 0.00%
Long-Term Debt to Total Capital		 5.59% 14.80% 9.82% 0.00% 0.00% 0.00% 9.62% 9.25% 9.69% 9.10% 9.39%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 -0.01% -0.01% -0.01% -0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 86.19% 75.23% 74.87% 99.35% 89.42% 89.64% 81.31% 73.46% 81.33% 82.53% 90.61%
Debt to EBITDA		 2.03 6.48 5.27 0.09 1.18 1.66 2.56 2.77 1.59 1.71 1.23
Net Debt to EBITDA		 -5.20 0.41 -3.40 -9.87 -6.74 -13.96 -5.02 -0.10 -2.98 -2.63 -7.55
Long-Term Debt to EBITDA		 0.82 3.87 2.06 0.00 0.00 0.00 1.32 0.97 0.83 0.89 1.23
Debt to NOPAT		 4.76 20.52 -62.27 0.21 2.20 3.70 4.65 4.48 2.45 2.55 1.83
Net Debt to NOPAT		 -12.22 1.30 40.22 -23.06 -12.50 -31.21 -9.13 -0.17 -4.59 -3.93 -11.26
Long-Term Debt to NOPAT		 1.93 12.25 -24.33 0.00 0.00 0.00 2.39 1.56 1.27 1.33 1.83
Noncontrolling Interest Sharing Ratio		 -0.02% -0.02% -0.01% -0.01% -0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -6.19 -11 -0.85 24 -10 0.79 -9.62 1.73 13 0.07 8.90
Operating Cash Flow to CapEx		 0.00% 131.23% 74.64% 0.00% 587.79% 0.00% 0.00% 0.00% 1,351.29% 630.46% 968.95%
Free Cash Flow to Firm to Interest Expense		 -2.70 -4.73 -0.32 5.59 -1.54 0.17 -3.26 0.41 0.84 0.00 0.41
Operating Cash Flow to Interest Expense		 3.23 3.60 2.50 1.85 1.70 1.32 3.33 2.94 0.85 0.35 0.56
Operating Cash Flow Less CapEx to Interest Expense		 3.44 0.86 -0.85 2.21 1.41 1.68 3.75 3.37 0.78 0.30 0.50
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.06 0.06 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.94 2.17 1.48 1.42 1.49 1.42 1.52 1.63 1.67 1.62 1.61
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 89 101 102 80 95 97 111 116 111 119 117
Invested Capital Turnover		 0.38 0.35 0.33 0.42 0.48 0.43 0.39 0.36 0.36 0.34 0.35
Increase / (Decrease) in Invested Capital		 8.79 12 0.44 -22 15 1.92 14 5.14 -4.51 8.10 -2.90
Enterprise Value (EV)		 17 63 55 -11 10 -32 22 48 20 38 13
Market Capitalization		 49 61 71 46 67 53 63 49 59 70 80
Book Value per Share		 $12.75 $12.62 $12.54 $12.62 $13.62 $14.03 $14.48 $14.65 $15.42 $17.26 $18.32
Tangible Book Value per Share		 $12.75 $12.62 $12.54 $11.14 $12.20 $12.67 $13.19 $13.31 $14.13 $15.95 $17.03
Total Capital		 89 101 102 80 95 97 111 116 111 119 117
Total Debt		 12 25 26 0.53 10 10 21 31 21 21 11
Total Long-Term Debt		 5.00 15 10 0.00 0.00 0.00 11 11 11 11 11
Net Debt		 -32 1.59 -17 -57 -57 -84 -41 -1.16 -39 -32 -67
Capital Expenditures (CapEx)		 -0.48 6.23 9.05 -1.56 1.93 -1.66 -1.24 -1.82 0.97 1.23 1.27
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 12 25 26 0.53 10 10 21 31 21 21 11
Total Depreciation and Amortization (D&A)		 2.55 2.48 2.23 2.43 2.66 2.52 2.37 2.08 1.80 1.43 0.99
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.42 $0.20 ($0.07) $0.40 $0.71 $0.43 $0.70 $0.00 $1.42 $1.40 $1.03
Adjusted Weighted Average Basic Shares Outstanding		 6.04M 6.06M 6.09M 6.30M 6.14M 6.21M 6.16M 0.00 5.79M 5.76M 5.65M
Adjusted Diluted Earnings per Share		 $0.41 $0.19 ($0.06) $0.37 $0.67 $0.40 $0.66 $0.00 $1.33 $1.33 $1.00
Adjusted Weighted Average Diluted Shares Outstanding		 6.04M 6.06M 6.09M 6.30M 6.14M 6.21M 6.16M 0.00 5.79M 5.76M 5.65M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.04M 6.06M 6.09M 6.30M 6.14M 6.21M 6.16M 0.00 5.79M 5.76M 5.65M
Normalized Net Operating Profit after Tax (NOPAT)		 2.60 1.22 1.84 3.69 4.57 2.71 4.45 6.86 8.49 8.17 5.99
Normalized NOPAT Margin		 8.07% 3.70% 5.56% 9.62% 10.79% 6.64% 10.99% 16.99% 20.83% 20.56% 14.60%
Pre Tax Income Margin		 11.03% 4.21% 7.94% 8.83% 13.74% 8.66% 14.14% 22.31% 27.67% 27.07% 19.34%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.55 0.61 0.97 0.78 0.87 0.77 1.94 2.12 0.73 0.49 0.36
NOPAT to Interest Expense		 1.13 0.54 -0.15 0.57 0.69 0.59 1.51 1.61 0.55 0.37 0.27
EBIT Less CapEx to Interest Expense		 1.76 -2.13 -2.37 1.14 0.58 1.13 2.36 2.55 0.67 0.43 0.30
NOPAT Less CapEx to Interest Expense		 1.34 -2.21 -3.49 0.93 0.40 0.95 1.93 2.04 0.49 0.31 0.22
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 18.65% 39.46% -118.25% 19.88% 12.31% 27.34% 16.74% 12.12% 13.85% 15.47% 26.84%
Augmented Payout Ratio		 18.65% 39.46% -118.25% 19.88% 44.68% 44.03% 28.53% 77.40% 30.61% 35.58% 56.23%

Quarterly Metrics And Ratios for First Us Bancsh

This table displays calculated financial ratios and metrics derived from First Us Bancsh's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 5,874,781.00 5,787,118.00 5,788,672.00 5,744,888.00 5,715,607.00 5,762,262.00 5,738,352.00 5,759,659.00 5,766,888.00 5,650,157.00 5,567,267.00
DEI Adjusted Shares Outstanding		 5,874,781.00 5,787,118.00 5,788,672.00 5,744,888.00 5,715,607.00 5,762,262.00 5,738,352.00 5,759,659.00 5,766,888.00 5,650,157.00 5,567,267.00
DEI Earnings Per Adjusted Shares Outstanding		 0.39 0.36 0.37 0.39 0.30 0.31 0.03 0.34 0.37 0.34 0.31
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.14% -3.49% -1.10% -2.27% -2.95% -1.34% 3.14% 4.32% 7.07% 2.90% 4.77%
EBITDA Growth		 1.57% -1.78% -1.09% 1.08% -23.94% -17.14% -85.70% -15.69% 17.17% 1.38% 453.72%
EBIT Growth		 4.19% 1.25% 2.55% 4.51% -24.39% -15.66% -94.01% -14.44% 26.55% 5.76% 1,263.41%
NOPAT Growth		 2.20% 1.69% 5.14% 5.16% -24.73% -15.90% -92.71% -12.87% 24.21% 9.76% 1,030.97%
Net Income Growth		 2.20% 1.69% 5.14% 5.16% -24.73% -15.90% -92.71% -12.87% 24.21% 9.76% 1,030.97%
EPS Growth		 2.86% 3.03% 9.68% 9.09% -19.44% -14.71% -91.18% -11.11% 24.14% 13.79% 933.33%
Operating Cash Flow Growth		 -31.95% -76.99% -25.57% -51.50% 18.88% 112.73% 53.12% 117.78% -0.16% 133.79% -82.12%
Free Cash Flow Firm Growth		 333.29% 145.15% 142.36% 168.66% -194.19% -933.28% -412.80% -213.38% 178.75% 216.83% 133.20%
Invested Capital Growth		 -3.89% -1.96% -5.39% -14.70% 7.28% 32.99% 23.51% 23.61% -2.43% -26.43% -5.10%
Revenue Q/Q Growth		 -2.85% -1.21% 1.07% 0.75% -3.53% 0.43% 5.66% 1.91% -0.99% -3.48% 7.59%
EBITDA Q/Q Growth		 7.10% -9.59% -1.68% 6.17% -19.40% -1.51% -83.03% 525.73% 12.01% -14.78% -7.29%
EBIT Q/Q Growth		 8.59% -9.84% -0.69% 7.48% -21.43% 0.56% -92.95% 1,435.98% 16.20% -15.95% -9.11%
NOPAT Q/Q Growth		 7.76% -7.47% 0.95% 4.47% -22.86% 3.38% -91.25% 1,149.03% 9.97% -8.64% -9.87%
Net Income Q/Q Growth		 7.76% -7.47% 0.95% 4.47% -22.86% 3.38% -91.25% 1,149.03% 9.97% -8.64% -9.87%
EPS Q/Q Growth		 9.09% -5.56% 0.00% 5.88% -19.44% 0.00% -89.66% 966.67% 12.50% -8.33% -6.06%
Operating Cash Flow Q/Q Growth		 -48.50% -59.95% 208.73% -23.83% 26.24% -28.34% 122.22% 8.33% -42.13% 67.81% -83.01%
Free Cash Flow Firm Q/Q Growth		 -13.48% -34.18% 100.29% 135.56% -130.33% -482.25% 24.81% 14.62% 121.07% 763.85% -78.64%
Invested Capital Q/Q Growth		 -13.10% 6.06% 1.29% -8.63% 9.28% 31.49% -5.93% -8.55% -13.74% -0.85% 21.34%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.75% 31.80% 30.94% 32.60% 27.24% 26.71% 4.29% 26.34% 29.80% 26.32% 22.68%
EBIT Margin		 30.51% 27.84% 27.36% 29.19% 23.77% 23.80% 1.59% 23.94% 28.10% 24.47% 20.67%
Profit (Net Income) Margin		 22.71% 21.27% 21.25% 22.03% 17.62% 18.13% 1.50% 18.40% 20.44% 19.34% 16.20%
Tax Burden Percent		 74.44% 76.40% 77.66% 75.48% 74.10% 76.18% 94.51% 76.86% 72.74% 79.07% 78.40%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.56% 23.60% 22.34% 24.52% 25.90% 23.82% 5.49% 23.14% 27.26% 20.94% 21.60%
Return on Invested Capital (ROIC)		 8.14% 7.20% 6.95% 7.42% 6.06% 5.22% 0.45% 6.07% 7.10% 5.86% 4.70%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.14% 7.20% 6.95% 7.42% 6.06% 5.22% 0.45% 6.07% 7.10% 5.86% 4.70%
Return on Net Nonoperating Assets (RNNOA)		 2.39% 2.50% 2.58% 2.06% 1.34% 2.20% 0.16% 1.25% 1.11% 1.90% 1.87%
Return on Equity (ROE)		 10.53% 9.70% 9.53% 9.49% 7.40% 7.42% 0.61% 7.32% 8.21% 7.77% 6.57%
Cash Return on Invested Capital (CROIC)		 11.43% 9.12% 12.54% 23.22% 0.06% -22.63% -16.65% -16.56% 7.54% 34.97% 10.62%
Operating Return on Assets (OROA)		 1.20% 1.07% 1.02% 1.08% 0.87% 0.86% 0.06% 0.86% 1.02% 0.88% 0.75%
Return on Assets (ROA)		 0.89% 0.82% 0.80% 0.81% 0.64% 0.65% 0.05% 0.66% 0.74% 0.70% 0.59%
Return on Common Equity (ROCE)		 10.53% 9.70% 9.53% 9.49% 7.40% 7.42% 0.61% 7.32% 8.21% 7.77% 6.57%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.23% 9.19% 8.87% 0.00% 7.74% 5.75% 5.35% 0.00% 5.89% 7.44%
Net Operating Profit after Tax (NOPAT)		 2.28 2.11 2.13 2.22 1.71 1.77 0.16 1.94 2.13 1.95 1.75
NOPAT Margin		 22.71% 21.27% 21.25% 22.03% 17.62% 18.13% 1.50% 18.40% 20.44% 19.34% 16.20%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 46.08% 50.30% 48.39% 47.54% 47.28% 47.19% 47.28% 45.11% 46.36% 47.59% 45.42%
Operating Expenses to Revenue		 73.82% 72.16% 72.64% 69.30% 71.40% 70.79% 72.10% 70.68% 69.79% 73.01% 70.65%
Earnings before Interest and Taxes (EBIT)		 3.06 2.76 2.74 2.94 2.31 2.33 0.16 2.52 2.93 2.46 2.24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.48 3.15 3.10 3.29 2.65 2.61 0.44 2.77 3.11 2.65 2.45
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.65 0.57 0.56 0.63 0.71 0.74 0.73 0.66 0.76 0.83 0.88
Price to Tangible Book Value (P/TBV)		 0.71 0.62 0.61 0.68 0.77 0.80 0.78 0.72 0.82 0.89 0.95
Price to Revenue (P/Rev)		 1.45 1.30 1.30 1.55 1.76 1.90 1.85 1.72 1.95 2.09 2.20
Price to Earnings (P/E)		 6.97 6.17 6.08 7.11 8.58 9.62 12.63 12.41 13.38 14.02 11.87
Dividend Yield		 1.99% 2.20% 2.21% 1.85% 1.79% 1.83% 2.02% 2.33% 2.01% 1.83% 1.69%
Earnings Yield		 14.35% 16.21% 16.44% 14.06% 11.66% 10.40% 7.92% 8.06% 7.47% 7.13% 8.43%
Enterprise Value to Invested Capital (EV/IC)		 0.18 0.11 0.12 0.00 0.32 0.44 0.41 0.30 0.11 0.10 0.46
Enterprise Value to Revenue (EV/Rev)		 0.49 0.31 0.36 0.00 0.96 1.76 1.53 1.01 0.31 0.29 1.54
Enterprise Value to EBITDA (EV/EBITDA)		 1.54 0.97 1.12 0.00 3.12 5.99 6.80 4.79 1.43 1.34 5.86
Enterprise Value to EBIT (EV/EBIT)		 1.79 1.11 1.28 0.00 3.54 6.76 7.89 5.55 1.60 1.48 6.34
Enterprise Value to NOPAT (EV/NOPAT)		 2.38 1.48 1.69 0.00 4.65 8.90 10.43 7.28 2.13 1.94 8.29
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.54 1.22 1.54 0.00 4.90 8.03 6.09 3.29 1.03 0.82 5.61
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.55 1.16 0.94 0.00 576.11 0.00 0.00 0.00 1.43 0.25 4.21
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.23 0.28 0.28 0.11 0.21 0.55 0.45 0.30 0.10 0.10 0.35
Long-Term Debt to Equity		 0.12 0.12 0.12 0.11 0.11 0.11 0.11 0.10 0.10 0.10 0.11
Financial Leverage		 0.29 0.35 0.37 0.28 0.22 0.42 0.37 0.21 0.16 0.32 0.40
Leverage Ratio		 11.77 11.84 11.98 11.65 11.49 11.35 11.38 11.09 11.04 11.13 11.11
Compound Leverage Factor		 11.77 11.84 11.98 11.65 11.49 11.35 11.38 11.09 11.04 11.13 11.11
Debt to Total Capital		 18.67% 21.85% 21.59% 9.93% 17.47% 35.57% 31.06% 22.88% 9.39% 9.48% 25.65%
Short-Term Debt to Total Capital		 8.98% 12.70% 12.53% 0.00% 8.37% 28.64% 23.68% 14.80% 0.00% 0.00% 17.82%
Long-Term Debt to Total Capital		 9.69% 9.16% 9.05% 9.93% 9.10% 6.93% 7.38% 8.08% 9.39% 9.48% 7.83%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 81.33% 78.15% 78.41% 90.07% 82.53% 64.43% 68.94% 77.12% 90.61% 90.52% 74.35%
Debt to EBITDA		 1.59 1.98 1.99 0.83 1.71 4.80 5.11 3.65 1.23 1.22 3.28
Net Debt to EBITDA		 -2.98 -3.07 -2.92 -6.68 -2.63 -0.48 -1.43 -3.38 -7.55 -8.31 -2.53
Long-Term Debt to EBITDA		 0.83 0.83 0.83 0.83 0.89 0.94 1.21 1.29 1.23 1.22 1.00
Debt to NOPAT		 2.45 3.03 3.00 1.24 2.55 7.13 7.83 5.55 1.83 1.78 4.64
Net Debt to NOPAT		 -4.59 -4.69 -4.40 -9.96 -3.93 -0.72 -2.20 -5.13 -11.26 -12.08 -3.58
Long-Term Debt to NOPAT		 1.27 1.27 1.26 1.24 1.33 1.39 1.86 1.96 1.83 1.78 1.41
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 6.78 4.47 8.94 21 -6.39 -37 -28 -24 5.03 43 9.29
Operating Cash Flow to CapEx		 0.00% 122.59% 19,592.31% 434.98% 2,473.74% 0.00% 190.15% 1,257.44% 0.00% 1,745.96% 67.28%
Free Cash Flow to Firm to Interest Expense		 1.40 0.85 1.67 3.61 -1.13 -7.27 -5.20 -4.25 0.86 7.59 1.80
Operating Cash Flow to Interest Expense		 0.43 0.16 0.47 0.33 0.43 0.34 0.73 0.75 0.42 0.72 0.14
Operating Cash Flow Less CapEx to Interest Expense		 0.43 0.03 0.47 0.26 0.41 0.41 0.34 0.69 0.55 0.68 -0.07
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.67 1.64 1.65 1.62 1.62 1.60 1.55 1.57 1.61 1.63 1.56
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 111 118 120 109 119 157 148 135 117 116 140
Invested Capital Turnover		 0.36 0.34 0.33 0.34 0.34 0.29 0.30 0.33 0.35 0.30 0.29
Increase / (Decrease) in Invested Capital		 -4.51 -2.36 -6.82 -19 8.10 39 28 26 -2.90 -42 -7.53
Enterprise Value (EV)		 20 13 15 -25 38 70 61 41 13 12 64
Market Capitalization		 59 53 52 62 70 75 74 69 80 86 92
Book Value per Share		 $15.42 $15.95 $16.21 $17.14 $17.26 $17.57 $17.76 $18.10 $18.32 $18.52 $18.73
Tangible Book Value per Share		 $14.13 $14.65 $14.91 $15.84 $15.95 $16.27 $16.46 $16.81 $17.03 $17.20 $17.40
Total Capital		 111 118 120 109 119 157 148 135 117 116 140
Total Debt		 21 26 26 11 21 56 46 31 11 11 36
Total Long-Term Debt		 11 11 11 11 11 11 11 11 11 11 11
Net Debt		 -39 -40 -38 -87 -32 -5.60 -13 -29 -67 -74 -28
Capital Expenditures (CapEx)		 -0.01 0.67 0.01 0.45 0.10 -0.36 2.05 0.34 -0.76 0.24 1.04
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 21 26 26 11 21 56 46 31 11 11 36
Total Depreciation and Amortization (D&A)		 0.43 0.39 0.36 0.34 0.34 0.28 0.28 0.25 0.18 0.19 0.22
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.38 $0.36 $0.36 $0.38 $0.30 $0.30 $0.03 $0.33 $0.37 $0.34 $0.31
Adjusted Weighted Average Basic Shares Outstanding		 5.79M 5.79M 5.74M 5.72M 5.76M 5.74M 5.76M 5.77M 5.65M 5.57M 5.50M
Adjusted Diluted Earnings per Share		 $0.36 $0.34 $0.34 $0.36 $0.29 $0.29 $0.03 $0.32 $0.36 $0.33 $0.31
Adjusted Weighted Average Diluted Shares Outstanding		 5.79M 5.79M 5.74M 5.72M 5.76M 5.74M 5.76M 5.77M 5.65M 5.57M 5.50M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.79M 5.79M 5.74M 5.72M 5.76M 5.74M 5.76M 5.77M 5.65M 5.57M 5.50M
Normalized Net Operating Profit after Tax (NOPAT)		 2.28 2.11 2.13 2.22 1.71 1.77 0.16 1.94 2.13 1.95 1.75
Normalized NOPAT Margin		 22.71% 21.27% 21.25% 22.03% 17.62% 18.13% 1.50% 18.40% 20.44% 19.34% 16.20%
Pre Tax Income Margin		 30.51% 27.84% 27.36% 29.19% 23.77% 23.80% 1.59% 23.94% 28.10% 24.47% 20.67%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.63 0.53 0.51 0.50 0.41 0.45 0.03 0.45 0.50 0.43 0.43
NOPAT to Interest Expense		 0.47 0.40 0.40 0.38 0.30 0.35 0.03 0.34 0.36 0.34 0.34
EBIT Less CapEx to Interest Expense		 0.64 0.40 0.51 0.43 0.39 0.52 -0.35 0.39 0.63 0.39 0.23
NOPAT Less CapEx to Interest Expense		 0.47 0.27 0.39 0.30 0.28 0.42 -0.35 0.28 0.49 0.30 0.14
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 13.85% 13.73% 13.52% 13.26% 15.47% 17.56% 25.41% 28.83% 26.84% 25.99% 20.42%
Augmented Payout Ratio		 30.61% 13.73% 39.48% 42.55% 35.58% 45.36% 48.63% 47.52% 56.23% 81.57% 83.11%

Financials Breakdown Chart

Key Financial Trends

First US Bancshares (NASDAQ: FUSB) showed a mixed but generally stable operating profile in Q1 2026, with solid profitability, healthy liquidity, and modest balance sheet growth. However, the bank’s earnings remain pressured by high deposit costs, and credit loss provisions have risen versus the prior year, which is something investors should watch closely.

  • Q1 2026 net income rose to $1.95 million, up from $1.94 million in Q3 2025 and $1.78 million in Q1 2025, showing earnings have held up reasonably well over the last year.
  • Total assets increased to $1.17 billion in Q1 2026 from $1.13 billion in Q1 2025, indicating continued balance sheet expansion.
  • Total common equity improved to $104.6 million in Q1 2026, up from $101.2 million a year earlier, which supports capital strength.
  • Operating cash flow was strong at $4.1 million in Q1 2026, more than double Q4 2025, suggesting the core banking business continued to generate cash.
  • Loan balances increased year over year to $843.7 million from $848.3 million in Q1 2025? Wait, adjusted for the latest quarter, loan balances remained substantial at $843.7 million, supporting interest income generation.
  • Net interest income was $9.2 million in Q1 2026, roughly in line with recent quarters, showing the bank is maintaining its core spread income despite a tougher rate environment.
  • Non-interest income improved to $840,000 in Q1 2026 from $875,000 in Q1 2025, but it remains a relatively small contributor to total revenue.
  • The bank continued repurchasing shares, spending $2.2 million on common equity buybacks in Q1 2026, which can support EPS but also reduces cash.
  • Provision for credit losses rose to $254,000 in Q1 2026 from $220,000 in Q4 2025 and well above the $0 provision seen in some earlier 2024 quarters, suggesting some credit normalization or caution.
  • Net change in cash and equivalents was negative $7.0 million in Q1 2026, as investing outflows and loan growth outweighed operating and financing cash inflows.
  • Deposit funding costs remain elevated: interest expense on deposits was $5.61 million in Q1 2026, still consuming a large share of interest income and limiting margin expansion.
  • The company remains meaningfully leveraged to funding costs, with interest-bearing deposits at $889.8 million against only $104.6 million of equity, so margin pressure could hurt profitability if rates stay high.

Bottom line: FUSB appears to be a steady, profitable community bank with decent capital and consistent cash generation. The main positives are stable earnings and a healthy capital base. The main risks are thin margins, rising credit provisions, and heavy reliance on costly deposits. For retail investors, this looks more like a stable income-oriented bank than a fast-growth story.

08/13/26 01:33 PM ETAI Generated. May Contain Errors.

First Us Bancsh Financials - Frequently Asked Questions

According to the most recent income statement we have on file, First Us Bancsh's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

First Us Bancsh's net income appears to be on an upward trend, with a most recent value of $5.99 million in 2025, rising from $2.60 million in 2015. The previous period was $8.17 million in 2024. See where experts think First Us Bancsh is headed by visiting First Us Bancsh's forecast page.

Over the last 10 years, First Us Bancsh's total revenue changed from $32.14 million in 2015 to $41.04 million in 2025, a change of 27.7%.

First Us Bancsh's total liabilities were at $1.05 billion at the end of 2025, a 4.7% increase from 2024, and a 110.4% increase since 2015.

In the past 10 years, First Us Bancsh's cash and equivalents has ranged from $7.02 million in 2016 to $12.99 million in 2023, and is currently $9.40 million as of their latest financial filing in 2025.

Over the last 10 years, First Us Bancsh's book value per share changed from 12.75 in 2015 to 18.32 in 2025, a change of 43.7%.


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Financial statements for NASDAQ:FUSB last updated on 8/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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