Company Analysis

First US Bancshares, Inc. (FUSB)

Nasdaq: FUSB · State Commercial Banks · Birmingham, AL · filing with the SEC since 1995
Grade4.7
◀ Past 5.9● Present 3.5▶ Future 4.5

The grade of First US Bancshares, Inc.

Nine metrics read from its own filings, by tense
Headline grade
4.7/10
◀ Past5.940% of the headline
● Present3.535% of the headline
▶ Future4.525% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

5.9/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 78th percentile among 165 sector filers · read for itself

From the record

First US Bancshares, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
2.1/10

What has it actually done, year after year?

+7.8% a year over 10 filed years; profitable in 9 of 10.

weight 22% of this tense · 21st percentile among 152 sector filers · read for its customers

From the record

First US Bancshares, Inc.'s 10 filed years say what it did: revenue went from $30 million in fiscal 2016 to $59 million in fiscal 2025, up 7.8% a year; it rose in 7 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2021; net income was positive in 9 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span7.8%bottom 14% of its family
  • the share of years revenue rosebottom 29% of its family
  • the share of filed years with a profitbottom 9% of its family
  • the deepest fall from a revenue peak8.4%bottom 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
5.9/10

How has it treated the people who own it?

Share count shrank 1.5% a year. 27% of cash flow returned. Insiders: 1 sales, 28 purchases.

weight 33% of this tense · 59th percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, First US Bancshares, Inc.'s diluted share count shrank about 1.5% a year, and dividends and buybacks returned about 27% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 28 purchases of their own stock on the open market in the year to 2026-10-01, buying about $442 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 18% of its family
  • cash returned against operating cash flowbottom 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

3.5/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
3.7/10

Is it financially healthy right now?

ROE 6%: 6¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar.

weight 45% of this tense · 37th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, First US Bancshares, Inc. earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count shrank 0.5% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 24% of its family
  • return on equitybottom 13% of its family
  • the share count against the year beforetop 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
1.3/10

How strong is its position in its industry?

bottom 13% of 155 in its family; net margin 10.1%.

weight 33% of this tense · 13th percentile among 155 sector filers · read for its customers

From the record

First US Bancshares, Inc.'s standing among 155 graded names in its industry family: revenue of $59 million in fiscal 2025 ranks in the bottom 5% by size; a net margin of 10.1% ranks in the bottom 8%; revenue growth of 13% a year over the last 3 filed years ranks in the bottom 25% (its annual reports).

What it rests on

  • revenue against the family$59.4Mbottom 5% of its family
  • net margin10.1%bottom 8% of its family
  • three-year revenue growth13.0%bottom 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
6.3/10

What are the people in charge doing?

top 38% of 150 in its family for leadership; chief executive since 2011.

weight 22% of this tense · 62nd percentile among 150 sector filers · read for its shareholders

From the record

First US Bancshares, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is House, James F (Chairman, President & CEO, as filed), filing under that title since 2011-11-07, 15 years (top 16% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 12 years (top 14%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (bottom 17%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge9 in three years among 17 peoplebottom 17% of its family
  • the median years the people in charge have filed12.0 yearstop 14% of its family
  • the chief executive's years on the record15.0 yearstop 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

4.5/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
4.4/10

How much room does it have to grow?

bottom 44% of 142 in its family for room to expand.

weight 33% of this tense · 44th percentile among 142 sector filers · read for itself

From the record

First US Bancshares, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $74 million against debt of $11 million leaves 5.4% of its assets as net cash, top 31% of its family; cash from operations less capital spending is 15.3% of revenue (bottom 19%) (its annual report).

What it rests on

  • cash less debt against assets5.4%top 31% of its family
  • cash from operations less capital spending against revenue15.3%bottom 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
5.8/10

What could actually drive growth from here?

top 42% of 152 in its family for growth drivers.

weight 33% of this tense · 58th percentile among 152 sector filers · read for its customers

From the record

First US Bancshares, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 13% a year over the last three filed years against 7.8% over all 10, speeding up (top 37% of its family); the newest year grew 2% (bottom 33%); capital spending grew 36.9% a year (top 21%) (its annual reports). First US Bancshares, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+5.2 points a yeartop 37% of its family
  • the newest year's revenue growth2.0%bottom 33% of its family
  • three-year growth of capital spending36.9%top 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
3.2/10

Did its newest year beat what its own record pointed to?

bottom 32% of 150 in its family for expectations against reality.

weight 33% of this tense · 32nd percentile among 150 sector filers · read for its shareholders

From the record

First US Bancshares, Inc.'s newest year against its own record: revenue of $59 million in fiscal 2025 came in 14.2% below the $69 million its prior three years' pace pointed to (top 44% of its family); net income of $6 million against a prior three-year average of $8 million (bottom 10%); a net margin of 10.1% against 15.6% before (bottom 30%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-14.2%top 44% of its family
  • net income against the prior three years' average-24%bottom 10% of its family
  • net margin against its prior average-5.5 pointsbottom 30% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton FUSB · research, not advice