First Us Bancshares, Inc. - Understand $fusb stock

$FUSB Market Cap: $81.73 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$14.85M

TTM

Gross Margin

Net Earnings

$8.733M

TTM

Current Assets

Current Liabilities

$2.030M

Q3 2024

Current Ratio

Total Assets

$1.100B

Q3 2024

Total Liabilities

$1.002B

Q3 2024

Book Value

$98.49M

Q3 2024

Cash

$82.31M

Q3 2024

P/E

9.359

Nov 29, 2024 EST

Free Cash Flow

$5.055M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Revenue	$1.197M	$41.20M	$39.92M	$40.38M	$43.59M	$800.0K	$31.10M	$30.16M	$29.90M	$31.36M	$33.64M	$38.75M
YoY Change	-97.09%	3.2%	-1.13%	-7.37%	5348.5%	-97.43%	3.13%	0.86%	-4.67%	-6.76%	-13.2%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Revenue	$1.197M	$41.20M	$39.92M	$40.38M	$43.59M	$800.0K	$31.10M	$30.16M	$29.90M	$31.36M	$33.64M	$38.75M
Cost Of Revenue		$323.0K	$322.0K	$325.0K	$310.0K	$492.0K	$369.0K
Gross Profit		$40.87M	$39.60M	$40.05M	$43.28M	$308.0K	$30.73M
Gross Profit Margin		99.22%	99.19%	99.2%	99.29%	38.5%	98.81%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$722.0K	$682.0K	$903.0K	$908.0K	$867.0K	$811.0K	$830.0K	$691.0K	$671.0K	$642.0K
YoY Change	5.87%	-24.47%	-0.55%	4.73%	6.91%	-2.29%	20.12%	2.98%	4.52%
% of Gross Profit		1.67%	2.28%	2.27%	2.0%	263.31%	2.7%
Depreciation & Amortization	$1.776M	$1.882M	$2.030M	$2.100M	$2.100M	$1.630M	$1.130M	$970.0K	$870.0K	$800.0K	$717.0K	$715.0K	$700.0K	$760.0K	$870.0K	$950.0K	$950.0K	$960.0K	$930.0K	$910.0K	$910.0K	$1.050M	$1.530M	$1.570M	$1.430M	$1.440M	$1.510M	$1.310M	$1.150M	$460.0K
YoY Change	-5.63%	-7.29%	-3.33%	0.0%	28.83%	44.25%	16.49%	11.49%	8.75%	11.58%	0.28%	2.14%	-7.89%	-12.64%	-8.42%	0.0%	-1.04%	3.23%	2.2%	0.0%	-13.33%	-31.37%	-2.55%	9.79%	-0.69%	-4.64%	15.27%	13.91%	150.0%	4.55%
% of Gross Profit		4.6%	5.13%	5.24%	4.85%	529.22%	3.68%
Operating Expenses	$5.142M	$5.674M	$6.104M	$6.485M	$6.499M	$5.965M	$5.714M	$7.963M	$7.570M	$7.602M
YoY Change	-9.38%	-7.04%	-5.88%	-0.22%	8.95%	4.39%	-28.24%	5.19%	-0.42%
Operating Profit		$35.20M	$33.50M	$33.57M	$36.78M	-$5.657M	$25.02M
YoY Change		5.09%	-0.21%	-8.73%	-750.15%	-122.61%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Interest Expense	$15.46M	$4.256M	$2.950M	$4.611M	$6.646M	$4.350M	$2.706M	$2.271M	$2.289M	$2.553M	$2.905M	$4.556M
YoY Change	263.16%	44.27%	-36.02%	-30.62%	52.78%	60.75%	19.15%	-0.79%	-10.34%	-12.12%	-36.24%
% of Operating Profit		12.09%	8.81%	13.74%	18.07%		10.82%
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Pretax Income	$11.27M	$9.012M	$5.726M	$3.532M	$5.812M	$3.391M	$2.624M	$1.393M	$3.546M	$5.378M	$5.436M	$2.940M	-$15.03M	-$6.330M	$6.150M	$7.310M	-$870.0K	$21.34M	$19.24M	$19.05M	$16.44M	$12.80M	$9.340M	$8.970M	$11.46M	$12.10M	$9.690M	$9.630M	$8.680M	$4.380M
YoY Change	25.07%	57.39%	62.12%	-39.23%	71.39%	29.23%	88.37%	-60.72%	-34.06%	-1.07%	84.9%	-119.56%	137.44%	-202.93%	-15.87%	-940.23%	-104.08%	10.91%	1.0%	15.88%	28.44%	37.04%	4.12%	-21.73%	-5.29%	24.87%	0.62%	10.94%	98.17%	-3.95%
Income Tax	$2.786M	$2.148M	$1.275M	$825.0K	$1.250M	$901.0K	$3.035M	$169.0K	$951.0K	$1.829M	$1.509M	$745.0K	-$5.960M	-$3.030M	$1.560M	$2.120M	-$1.220M	$7.100M	$5.580M	$5.920M	$5.020M	$3.620M	$2.550M	$2.190M	$3.300M	$3.520M	$2.710M	$2.660M	$2.230M	$1.160M
% Of Pretax Income	24.72%	23.83%	22.27%	23.36%	21.51%	26.57%	115.66%	12.13%	26.82%	34.01%	27.76%	25.34%			25.37%	29.0%		33.27%	29.0%	31.08%	30.54%	28.28%	27.3%	24.41%	28.8%	29.09%	27.97%	27.62%	25.69%	26.48%
Net Earnings	$8.485M	$6.864M	$4.451M	$2.707M	$4.566M	$2.490M	-$411.0K	$1.224M	$2.595M	$3.549M	$3.927M	$2.195M	-$9.070M	-$3.180M	$4.750M	$5.370M	$350.0K	$14.25M	$13.66M	$13.13M	$11.41M	$9.180M	$6.590M	$6.780M	$8.160M	$8.580M	$6.980M	$6.970M	$6.450M	$3.220M
YoY Change	23.62%	54.21%	64.43%	-40.71%	83.37%	-705.84%	-133.58%	-52.83%	-26.88%	-9.63%	78.91%	-124.2%	185.22%	-166.95%	-11.55%	1434.29%	-97.54%	4.32%	4.04%	15.07%	24.29%	39.3%	-2.8%	-16.91%	-4.9%	22.92%	0.14%	8.06%	100.31%	0.94%
Net Earnings / Revenue	708.86%	16.66%	11.15%	6.7%	10.48%	311.25%	-1.32%	4.06%	8.68%	11.32%	11.67%	5.66%
Basic Earnings Per Share	$1.42	$1.13	$0.70	$0.43	$0.71	$0.40	-$0.07	$0.20	$0.42	$0.58	$0.65
Diluted Earnings Per Share	$1.33	$1.060M	$0.66	$0.40	$0.67	$0.37	-$0.07	$0.19	$0.41	$0.57	$0.65	$365.4K	-$1.509M	-$529.1K	$789.0K	$889.1K	$56.73K	$2.237M	$2.124M	$2.042M	$1.774M	$1.410M	$941.4K	$946.9K	$1.140M	$1.202M	$981.7K	$985.9K	$916.2K	$752.3K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$24.40M	$24.44M	$27.40M	$31.30M	$29.20M	$27.60M	$26.40M	$18.30M	$12.10M	$9.800M	$8.900M	$8.900M	$9.000M	$16.60M	$17.30M	$17.50M	$18.10M	$18.90M	$19.40M	$19.80M	$11.40M	$10.80M	$10.00M	$9.500M	$9.500M	$8.200M	$6.800M	$6.700M	$3.600M	$3.900M
YoY Change	-0.17%	-10.81%	-12.46%	7.19%	5.8%	4.55%	44.26%	51.24%	23.47%	10.11%	0.0%	-1.11%	-45.78%	-4.05%	-1.14%	-3.31%	-4.23%	-2.58%	-2.02%	73.68%	5.56%	8.0%	5.26%	0.0%	15.85%	20.59%	1.49%	86.11%	-7.69%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$5.342M	$5.140M	$2.500M							$7.900M
YoY Change	3.93%	105.6%
Total Long-Term Assets
YoY Change
Total Assets	$1.073B	$994.7M	$958.3M	$890.5M	$788.7M	$791.9M	$625.6M	$606.9M	$575.8M	$572.6M	$569.8M	$567.1M	$621.8M	$621.7M	$691.8M	$668.0M	$659.9M	$646.3M	$621.5M	$586.2M	$567.2M	$535.3M	$523.1M	$509.2M	$476.6M	$450.1M	$425.9M	$430.4M	$197.5M	$186.4M
YoY Change
Accounts Payable	$2.030M	$607.0K	$200.0K	$300.0K	$500.0K	$400.0K	$400.0K	$200.0K	$200.0K	$200.0K	$300.0K	$400.0K	$800.0K	$2.200M	$2.500M	$3.400M	$3.900M	$3.200M	$2.400M	$1.900M									$800.0K	$800.0K
YoY Change	234.43%	203.5%	-33.33%	-40.0%	25.0%	0.0%	100.0%	0.0%	0.0%	-33.33%	-25.0%	-50.0%	-63.64%	-12.0%	-26.47%	-12.82%	21.88%	33.33%	26.32%										0.0%
Accrued Expenses	$2.055M	$1.961M	$2.300M	$3.100M
YoY Change	4.79%	-14.74%	-25.81%
Deferred Revenue
YoY Change
Short-Term Debt	$10.00M	$20.04M		$10.00M	$10.00M	$500.0K	$15.60M	$10.10M	$7.400M	$400.0K	$1.200M	$600.0K	$400.0K	$200.0K	$100.0K	$500.0K	$300.0K	$300.0K	$1.200M	$900.0K	$2.600M	$2.400M	$400.0K	$1.100M	$17.00M	$0.00	$3.900M	$22.40M	$22.00M	$17.10M
YoY Change	-50.09%			0.0%	1900.0%	-96.79%	54.46%	36.49%	1750.0%	-66.67%	100.0%	50.0%	100.0%	100.0%	-80.0%	66.67%	0.0%	-75.0%	33.33%	-65.38%	8.33%	500.0%	-63.64%	-93.53%		-100.0%	-82.59%	1.82%	28.65%
Long-Term Debt Due																													$100.0K	$5.100M
YoY Change																													-98.04%
Total Short-Term Liabilities	$12.03M	$607.0K	$2.500M	$3.400M	$500.0K	$400.0K	$400.0K	$200.0K	$200.0K	$200.0K	$300.0K	$400.0K	$800.0K	$2.200M	$2.500M	$3.400M	$3.900M	$3.200M	$2.400M	$1.900M	$2.600M	$2.400M	$400.0K	$1.100M	$17.00M		$3.900M	$22.40M	$1.100M	$6.100M
YoY Change	1881.88%	-75.72%	-26.47%	580.0%	25.0%	0.0%	100.0%	0.0%	0.0%	-33.33%	-25.0%	-50.0%	-63.64%	-12.0%	-26.47%	-12.82%	21.88%	33.33%	26.32%	-26.92%	8.33%	500.0%	-63.64%	-93.53%			-82.59%	1936.36%	-81.97%
Long-Term Debt	$10.80M	$10.73M	$10.70M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$89.60M	$95.80M	$105.9M	$96.00M	$96.10M	$65.70M	$55.80M	$41.00M	$9.100M	$700.0K	$800.0K
YoY Change	0.68%	0.24%																	-100.0%	-6.47%	-9.54%	10.31%	-0.1%	46.27%	17.74%	36.1%	350.55%	1200.0%	-12.5%
Other Long-Term Liabilities	$9.327M	$8.136M	$6.900M	$8.200M	$9.800M	$6.800M	$6.300M	$7.700M	$7.000M	$8.100M	$8.900M	$8.400M	$7.400M	$11.30M	$9.600M	$10.30M	$10.00M	$13.60M	$14.30M	$11.30M	$7.800M	$6.900M	$6.700M	$6.100M	$5.400M	$7.000M	$5.900M	$4.900M	$1.900M	$1.400M
YoY Change	14.64%	17.91%	-15.85%	-16.33%	44.12%	7.94%	-18.18%	10.0%	-13.58%	-8.99%	5.95%	13.51%	-34.51%	17.71%	-6.8%	3.0%	-26.47%	-4.9%	26.55%	44.87%	13.04%	2.99%	9.84%	12.96%	-22.86%	18.64%	20.41%	157.89%	35.71%
Total Long-Term Liabilities	$20.13M	$18.86M	$17.60M	$8.200M	$9.800M	$6.800M	$6.300M	$7.700M	$7.000M	$8.100M	$8.900M	$8.400M	$7.400M	$11.30M	$9.600M	$10.30M	$10.00M	$13.60M	$14.30M	$100.9M	$103.6M	$112.8M	$102.7M	$102.2M	$71.10M	$62.80M	$46.90M	$14.00M	$2.600M	$2.200M
YoY Change	6.7%	7.17%	114.63%	-16.33%	44.12%	7.94%	-18.18%	10.0%	-13.58%	-8.99%	5.95%	13.51%	-34.51%	17.71%	-6.8%	3.0%	-26.47%	-4.9%	-85.83%	-2.61%	-8.16%	9.83%	0.49%	43.74%	13.22%	33.9%	235.0%	438.46%	18.18%
Total Liabilities	$982.3M	$909.5M	$868.2M	$803.8M	$704.0M	$712.5M	$549.4M	$530.6M	$498.7M	$497.4M	$499.7M	$498.5M	$555.6M	$545.8M	$609.0M	$589.3M	$580.3M	$554.7M	$533.8M	$504.4M	$493.9M	$468.3M	$457.9M	$441.5M	$414.9M	$389.5M	$373.2M	$382.8M	$172.2M	$167.7M
YoY Change	8.01%	4.76%	8.01%	14.18%	-1.19%	29.69%	3.54%	6.4%	0.26%	-0.46%	0.24%	-10.28%	1.8%	-10.38%	3.34%	1.55%	4.62%	3.92%	5.83%	2.13%	5.47%	2.27%	3.71%	6.41%	6.52%	4.37%	-2.51%	122.3%	2.68%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Basic Shares Outstanding	5.965M	6.084M	6.319M	6.281M	6.387M	6.277M	6.173M	6.149M	6.138M	6.127M	6.026M shares
Diluted Shares Outstanding	6.376M	6.504M	6.740M	6.702M	6.800M	6.655M	6.173M	6.422M	6.313M	6.211M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $81.733 Million

About FIRST US BANCSHARES, INC.

First US Bancshares, Inc. operates as a holding company for First U.S. Bank. The company is headquartered in Birmingham, Alabama and currently employs 154 full-time employees. The firm operates one banking subsidiary, First US Bank, an Alabama banking corporation (the Bank). The Bank conducts a general commercial banking business and offers banking services, such as demand, savings, individual retirement account and time deposits, personal and commercial loans, safe deposit box services and remote deposit capture. The Bank provides a range of commercial banking services to small-and medium-sized businesses, property managers, business executives, professionals and other individuals. The Bank also performs indirect lending through third-party retailers and conducts this lending in 17 states, including Alabama, Arkansas, Florida, Georgia, Indiana, Kansas, Kentucky, and others. The company operates and serves its customers through 15 full-service banking offices located in Birmingham, Butler, Calera, Centreville, and others. The company also has loan production offices in Mobile, Alabama and the Chattanooga, Tennessee area.

Industry: State Commercial Banks Peers: Community Heritage Financial, Inc. OREGON PACIFIC BANCORP PNC FINANCIAL SERVICES GROUP, INC. UWHARRIE CAPITAL CORP