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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1713
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$69M
James F. House
First US Bancshares, Inc. operates as the bank holding company for First US Bank. It offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. The company also provides loans secured by personal property items, such as furniture, ATVs, and home appliances.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = FUSB ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$FUSB FIRST US BANCSHARES, INC. | 52 | 30 | 42 | 70 | 14.3x | 6.2x | 5.8% | 0.5% | 0.0% | -284.0% | 338.9% | -97.1% | 2.3% | 10.0x | $69M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
FIRST US BANCSHARES, INC. (FUSB) receives a "Hold" rating with a composite score of 51.8/100. It ranks #1713 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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No analyst ratings for FUSB.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 37 | -7DRAG |
| MOMENTUM | 70 | 78 | -8DRAG |
| VALUATION | 42 | 45 | -3NEUTRAL |
| INVESTMENT | 42 | 80 | -38DRAG |
| STABILITY | 46 | 44 | +2NEUTRAL |
| SHORT INT | 56 | 68 | -12DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC -423.5% vs WACC 13.2% (spread -436.7%)
GM 0% vs sector 78%, OM -284% vs sector 18%
Capital turnover 1.23x
Rev growth -97%, 10yr history
Interest coverage -0.2x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate FIRST US BANCSHARES, INC. (FUSB) as a Hold with a composite score of 51.8/100. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
FIRST US BANCSHARES, INC. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 51.8/100 places it at rank #1713 in our full universe.
The near-term outlook is constructive, with revenue growing at -97% and momentum in the 70th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Low
Standard
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
FIRST US BANCSHARES, INC. represents a hold based on multi-factor quantitative performance.
Our model assigns FIRST US BANCSHARES, INC. a Hold rating, with a composite score of 51.8/100 and 3 out of 5 stars. Ranked #1713 of 7,333 stocks, FUSB presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
FUSB's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 5.8% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 338.9% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 42/100, FUSB appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 14.28x, an EV/EBITDA of 6.24x, a P/B ratio of 0.83x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 42/100, FUSB exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of -97.1% vs. a sector average of 10.7% and a return on assets of 0.5% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
FUSB shows strong momentum characteristics with a score of 70/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at -97.1% year-over-year, while a beta of 0.01 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
With a stability score of 46/100, FUSB exhibits average financial resilience. Key stability metrics include a beta of 0.01 and a debt-to-equity ratio of 10.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 56/100 for FUSB suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 10.00x), micro-cap liquidity risk. With a $69M market cap (micro-cap), FIRST US BANCSHARES, INC. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
FUSB pays a solid dividend yield of 2.3%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
FIRST US BANCSHARES, INC. is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1713 of 7,333 overall (77th percentile). Key comparisons include ROE of 5.8% trailing the 9.0% sector median and operating margins of -284.0% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While FUSB currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Quality (30) is the limiting factor — improvement here would lift the composite score most.
EV/EBITDA 20% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 35% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN

First US Bancshares (NASDAQ:FUSB) Director Staci Pierce recently acquired 750 shares of the company's stock for $10,305.00, increasing her direct ownership to 8,850 shares. This purchase was part of several recent buys by Pierce, totaling 2,000 shares in November and early December. The company also announced a quarterly dividend of $0.07 per share, yielding 2.0%, payable on January 2nd.

First US Bancshares, Inc. (NASDAQ: FUSB) has introduced a new annual cash incentive program for 2025, approved by its Compensation Committee, targeting executive officers and key employees. The program ties bonuses to corporate and individual performance, including financial metrics like consolidated pre-tax income, ROAA, ROATE, and net loan growth. This initiative aligns employee interests with shareholder value and comes alongside other recent company developments such as a board member resignation, an expanded share repurchase program, and a 40% increase in its cash dividend.
First US Bancshares (NASDAQ:FUSB) has declared a dividend of $0.07 per share, payable on January 2nd, which represents a 2.0% annual payment. The company has a solid track record of dividend payments over the last decade, with a low payout ratio of 29% that is well-covered by earnings. With EPS growth forecast at 16.2% and a sustainable payout ratio, the dividend is likely to continue growing.
Two directors at First US Bancshares, Gordon Stephen Nathaniel and Robert C Field, have recently increased their stakes in the company. Nathaniel purchased 1,000 shares for $13,800, bringing his direct ownership to 1,700 shares. Field acquired 7,005 shares for $95,678, increasing his direct ownership to 1,960 shares, with an additional 7,000 shares held indirectly.

First US Bancshares, Inc. (NASDAQ:FUSB) announced an expansion of its share repurchase program by an additional 1 million shares, extending the program's expiration to December 31, 2026. This move, aimed at enhancing shareholder value, follows the company's consistent return of capital through dividends, including a recently declared $0.07 per share cash dividend. The regional bank has already repurchased a significant number of shares under the existing program, which originated in 2006.
Above 50MA
37.18%
Net New Highs
+51081