First US Bancshares Inc (FUSB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of First US Bancshares Inc stock $14.27, price $16.45, that is 13.3% below the price, quality 53 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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First US Bancshares Inc
FUSB · USOur calculation puts a fair price 13% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $6.09 – $16.99 · fair‑value band $10.96 – $17.84 · the $16.45 price screens above the $14.27 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
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.
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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.
Stock analysis
First US Bancshares Inc (FUSB) currently trades at $16.45, while our model-based Fair Value estimate is $14.27, 13% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $14.62 per share, and 0 of the 6 models we run sit above the $16.45 price.
Bear case: the Dividend Discount group reads lowest at $2.99, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $10.96 (bear) to $17.84 (bull), the price of $16.45 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
First US Bancshares Inc reported revenue of $63.0M in FY2025 versus $43.4M in FY2021, a compound +9.7%/yr. Reported net income was $6.0M in FY2025, compounding +7.7%/yr from FY2021.
Key figures
Market cap $97.0M Micro · P/E ratio 12.5 · P/S ratio 2.43 · EPS (TTM) $1.32 · Dividend yield 1.7% · Net margin 19.5% · Return on equity 7.5% · Return on assets (EBIT) 0.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −13%, FUSB screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 2 officers or directors bought shares worth $117,969, most recently on Sep 11, 2026. Buying cluster
- BuyRobert C FIELDDirector8× since Nov 20, 2025: 14,241 shares, avg. $14.85$211,516Sep 11, 2026
- BuyStaci PierceDirector6× since Nov 13, 2025: 3,750 shares, avg. $14.39$53,966Aug 7, 2026
- SaleJohn Lee McPhearsonDirector1,500 shares at $8.30$12,450Feb 18, 2026
- BuyJohn Lee McPhearsonDirector1,500 shares at $8.30$12,450Feb 18, 2026
- BuyStephen Nathaniel GordonDirector1,000 shares at $13.80$13,800Nov 25, 2025
Plus 6 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
FUSB screens overvalued: fair value 13% below the price. Compare with China Merchants Bank Co →
Compare First US Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Revenue growth by industry
- PEG ratio by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs FUSB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs FUSB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs FUSB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs FUSB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs FUSB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs FUSB |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs FUSB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs FUSB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs FUSB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs FUSB |
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Frequently asked questions
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Key figures of First US Bancshares Inc
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