First US Bancshares Inc (FUSB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First US Bancshares Inc stock (FUSB) is currently trading at $15.37. First US Bancshares Inc PE ratio is 14.71. First US Bancshares Inc PS ratio (Price-to-Sales) is 2.29. WallStSmart rates FUSB as Hold.
- FUSB PE ratio analysis and historical PE chart
- FUSB PS ratio (Price-to-Sales) history and trend
- FUSB intrinsic value — DCF, Graham Number, EPV models
- FUSB stock price prediction 2025 2026 2027 2028 2029 2030
- FUSB fair value vs current price
- FUSB insider transactions and insider buying
- Is FUSB undervalued or overvalued?
- First US Bancshares Inc financial analysis — revenue, earnings, cash flow
- FUSB Piotroski F-Score and Altman Z-Score
- FUSB analyst price target and Smart Rating
First US Bancshares Inc
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FUSB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First US Bancshares Inc (FUSB)
FUSB trades at a significant discount to its Graham intrinsic value of $45.68, offering a 66% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First US Bancshares Inc (FUSB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
First US Bancshares Inc (FUSB) Key Strengths (4)
Trading below book value, meaning the market prices it less than net assets
Strong operational efficiency: $29 kept per $100 revenue
Strong earnings growth at 24.30% per year
Strong profitability: $16 kept per $100 revenue
Supporting Valuation Data
First US Bancshares Inc (FUSB) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Low institutional interest, mostly retail-driven
Revenue is fairly priced at 2.29x sales
Solid revenue growth at 10.10% per year
First US Bancshares Inc (FUSB) Detailed Analysis Report
Overall Assessment
This company scores 58/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 8.5/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Operating Margin, EPS Growth. Valuation metrics including Price/Book (0.79) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 28.70%, Profit Margin at 16.20%. Growth metrics are encouraging with EPS Growth at 24.30%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Institutional Own.. Some valuation metrics including Price/Sales (2.29) suggest expensive pricing. Growth concerns include Revenue Growth at 10.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 5.87%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.87% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, Operating Margin) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FUSB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FUSB's Price-to-Sales ratio of 2.29x sits near its historical average of 2.33x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 4% below its historical high of 2.38x set in Feb 2026, and 0% above its historical low of 2.29x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for First US Bancshares Inc (FUSB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First US Bancshares Inc is a mature, profitable business with steady cash generation. Revenue reached 37M with 10% growth year-over-year. Profit margins of 16.2% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 54,000 in free cash flow and 2M in operating cash flow. Earnings are translating into actual cash generation.
Debt-to-equity ratio of 0.10 indicates a conservative balance sheet with 9M in cash.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First US Bancshares Inc.
Bottom Line
First US Bancshares Inc is a well-established business delivering consistent profitability with 16.2% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(78 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 10:00:51 AM
About First US Bancshares Inc(FUSB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First US Bancshares, Inc. is the banking holding company for First US Bank offering commercial banking products and services. The company is headquartered in Birmingham, Alabama.