First US Bancshares Inc (FUSB) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of First US Bancshares Inc $13.77, price $16.46, upside -16.3%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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First US Bancshares Inc
FUSB · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
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, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $6.11 – $16.99 · fair‑value band $11.63 – $17.64 · the $16.46 price screens above the $13.77 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 23, 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. It offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits.
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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.
Stock analysis
First US Bancshares Inc (FUSB) currently trades at $16.46, while our model-based Fair Value estimate is $13.77, implying the stock looks roughly 19.5% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $13.99 per share, and 1 of the 6 models we run sit above the $16.46 price.
Bear case: the Dividend Discount group reads lowest at $2.60, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $11.63 (bear) to $17.64 (bull), the price of $16.46 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 52/100 (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 $99.7M · P/E ratio 15.8 · P/S ratio 1.51 · EPS (TTM) $1.04 · Dividend yield 1.7% · Net margin 9.5% · Return on equity 6.0% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 39% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −16%, FUSB screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 49 · Market factors (momentum, volatility) 71
Revenue & earnings trend
Growth Forecast
FUSB screens 20% overvalued. Compare with DBS Group →
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 · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- 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 |
|---|---|---|---|
| DBS Group D05 | 77.69 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.25 | HK$62.30 | +22% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹737.25 | ₹406.85 | −45% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Mizuho Financial Group MFG | $10.74 | $6.75 | −37% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of First US Bancshares Inc
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