First Us Bancsha Financials

FUSB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows First Us Bancsha (FUSB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 68/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

First Us Bancsha's revenue grew a modest 2.9% year-over-year to $1.2M. This slow but positive growth earns a score of 37/100.

Leverage

100

First Us Bancsha carries a low D/E ratio of 0.11, meaning only $0.11 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

First Us Bancsha converts 459.5% of revenue into free cash flow ($5.7M). This strong cash generation earns a score of 100/100.

Returns

First Us Bancsha's ROE of 8.3% shows moderate profitability relative to equity, earning a score of 33/100. This is down from 9.4% the prior year.

Piotroski F-Score Neutral

5/9

First Us Bancsha passes 5 of 9 financial strength tests. 2 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.95x

For every $1 of reported earnings, First Us Bancsha generates $0.95 in operating cash flow ($7.8M OCF vs $8.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Revenue

$1.2M

YoY+2.9%

5Y CAGR-51.0%

10Y CAGR-28.2%

First Us Bancsha generated $1.2M in revenue in fiscal year 2024. This represents an increase of 2.9% from the prior year.

EBITDA

N/A

Free Cash Flow

$5.7M

YoY-51.2%

5Y CAGR-7.0%

10Y CAGR-6.0%

First Us Bancsha generated $5.7M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 51.2% from the prior year.

Net Income

$8.2M

YoY-3.7%

5Y CAGR+12.3%

10Y CAGR+7.6%

First Us Bancsha reported $8.2M in net income in fiscal year 2024. This represents a decrease of 3.7% from the prior year.

EPS (Diluted)

$1.33

YoY+0.0%

5Y CAGR+14.7%

10Y CAGR+7.4%

First Us Bancsha earned $1.33 per diluted share (EPS) in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Cash & Debt

$47.2M

YoY-6.1%

5Y CAGR-3.7%

10Y CAGR-0.1%

First Us Bancsha held $47.2M in cash against $10.9M in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.22

YoY+10.0%

5Y CAGR+19.6%

First Us Bancsha paid $0.22 per share in dividends in fiscal year 2024. This represents an increase of 10.0% from the prior year.

Shares Outstanding

YoY-0.7%

5Y CAGR-1.5%

10Y CAGR-0.6%

First Us Bancsha had 6M shares outstanding in fiscal year 2024. This represents a decrease of 0.7% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

663.1%

YoY-45.7pp

5Y CAGR+652.7pp

10Y CAGR+651.5pp

First Us Bancsha's net profit margin was 663.1% in fiscal year 2024, showing the share of revenue converted to profit. This is down 45.7 percentage points from the prior year.

Return on Equity

8.3%

YoY-1.1pp

5Y CAGR+2.9pp

10Y CAGR+2.7pp

First Us Bancsha's ROE was 8.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.1 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$1.6M

YoY+15.5%

5Y CAGR+2.1%

First Us Bancsha spent $1.6M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 15.5% from the prior year.

Capital Expenditures

$2.1M

YoY+43.4%

5Y CAGR-8.0%

10Y CAGR+18.6%

First Us Bancsha invested $2.1M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 43.4% from the prior year.

FUSB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$1.2M+2.9%	$1.2M+3.7%	$1.2M-97.1%	$39.9M-1.1%	$40.4M-7.4%	$43.6M
Cost of Revenue	N/A	N/A	$323K+0.3%	$322K-0.9%	$325K+4.8%	$310K
Gross Profit	N/A	N/A	$831K-97.9%	$39.6M-1.1%	$40.1M-7.5%	$43.3M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$22.1M+43.1%	$15.5M+263.2%	$4.3M+44.3%	$3.0M-36.0%	$4.6M-30.6%	$6.6M
Income Tax	$2.6M-7.3%	$2.8M+29.7%	$2.1M+68.5%	$1.3M+54.5%	$825K-33.8%	$1.2M
Net Income	$8.2M-3.7%	$8.5M+23.6%	$6.9M+54.2%	$4.5M+64.4%	$2.7M-40.7%	$4.6M
EPS (Diluted)	$1.330.0%	$1.33+25.5%	$1.06+60.6%	$0.66+65.0%	$0.40-40.3%	$0.67

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24	Q1'24
Revenue	$289K+4.0%	$278K-3.5%	$288K-98.0%	$14.4M+3.4%	$13.9M+4517.5%	$302K+7.1%	$282K-1.1%	$285K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.6M+4.5%	$5.4M+5.0%	$5.1M-9.7%	$5.7M+17.3%	$4.8M+9.4%	$4.4M+20.2%	$3.7M+45.5%	$2.5M
Income Tax	$583K+6377.8%	$9K-98.4%	$554K-7.5%	$599K-23.4%	$782K+11.1%	$704K+8.6%	$648K-0.6%	$652K
Net Income	$1.9M+1149.0%	$155K-91.3%	$1.8M+3.4%	$1.7M-24.7%	$2.3M+7.8%	$2.1M+4.4%	$2.0M-2.4%	$2.1M
EPS (Diluted)	$0.32+966.7%	$0.03-89.7%	$0.290.0%	$0.29-19.4%	$0.36+9.1%	$0.33+6.5%	$0.31-6.1%	$0.33

FUSB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$1.1B+2.6%	$1.1B+7.9%	$994.7M+3.8%	$958.3M+7.6%	$890.5M+12.9%	$788.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$47.2M-6.1%	$50.3M+66.8%	$30.2M-50.8%	$61.2M-35.1%	$94.4M+65.6%	$57.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M+0.5%	$7.4M
Total Liabilities	$1.0B+2.0%	$982.3M+8.0%	$909.5M+4.8%	$868.2M+8.0%	$803.8M+14.2%	$704.0M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$10.9M+0.7%	$10.8M+0.7%	$10.7M+0.7%	$10.7M	N/A	N/A
Total Equity	$98.6M+8.9%	$90.6M+6.4%	$85.1M-5.5%	$90.1M+3.9%	$86.7M+2.3%	$84.7M
Retained Earnings	$116.9M+6.3%	$110.0M+5.3%	$104.5M+6.1%	$98.4M+3.9%	$94.7M+2.1%	$92.8M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24	Q1'24
Total Assets	$1.1B+0.3%	$1.1B+1.5%	$1.1B+2.4%	$1.1B+2.6%	$1.1B+0.7%	$1.1B-0.3%	$1.1B+4.0%	$1.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$54.7M+1.4%	$54.0M-3.7%	$56.0M+18.7%	$47.2M-6.1%	$50.3M-24.0%	$66.1M-11.4%	$74.7M+9.1%	$68.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M
Total Liabilities	$1.0B+0.1%	$1.0B+1.5%	$1.0B+2.3%	$1.0B+2.0%	$982.3M+0.5%	$977.8M-0.5%	$982.4M+4.3%	$941.9M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$10.9M+0.2%	$10.9M+0.2%	$10.9M+0.2%	$10.9M+0.7%	$10.8M+0.2%	$10.8M+0.2%	$10.8M+0.2%	$10.7M
Total Equity	$104.2M+2.3%	$101.9M+0.7%	$101.2M+2.6%	$98.6M+8.9%	$90.6M+3.6%	$87.4M+2.0%	$85.7M+1.1%	$84.8M
Retained Earnings	$119.5M+1.3%	$118.0M-0.2%	$118.2M+1.2%	$116.9M+6.3%	$110.0M+1.8%	$108.0M+1.7%	$106.2M+1.7%	$104.4M

FUSB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$7.8M-40.6%	$13.1M+4.3%	$12.5M+27.5%	$9.8M+61.2%	$6.1M-46.1%	$11.3M
Capital Expenditures	$2.1M+43.4%	$1.5M+16.0%	$1.3M+53.5%	$822K-13.9%	$955K-70.0%	$3.2M
Free Cash Flow	$5.7M-51.2%	$11.6M+3.0%	$11.3M+25.1%	$9.0M+75.2%	$5.1M-36.8%	$8.1M
Investing Cash Flow	-$30.3M+49.8%	-$60.4M+24.6%	-$80.2M+26.0%	-$108.3M-64.0%	-$66.1M-779.5%	$9.7M
Financing Cash Flow	$19.5M-71.1%	$67.5M+84.6%	$36.6M-44.0%	$65.3M-32.9%	$97.3M+815.5%	-$13.6M
Dividends Paid	$1.3M+7.6%	$1.2M+41.2%	$832K+11.7%	$745K+0.7%	$740K+31.7%	$562K
Share Buybacks	$1.6M+15.5%	$1.4M-68.3%	$4.5M+753.5%	$525K+16.2%	$452K-69.4%	$1.5M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$4.2M+8.3%	$3.9M+122.2%	$1.8M-28.3%	$2.4M+18.9%	$2.1M-48.5%	$4.0M+16.9%	$3.4M-4.5%	$3.6M
Capital Expenditures	$624K-72.3%	$2.3M+3115.7%	$70K-74.1%	$270K-44.3%	$485K-34.2%	$737K+1404.1%	$49K-64.7%	$139K
Free Cash Flow	$3.6M+118.4%	$1.6M-2.1%	$1.7M-22.7%	$2.2M+38.3%	$1.6M-51.7%	$3.3M-3.3%	$3.4M-2.1%	$3.4M
Investing Cash Flow	-$3.7M+82.1%	-$20.6M-26.0%	-$16.3M+57.2%	-$38.1M-96.9%	-$19.3M-190.7%	-$6.7M+81.8%	-$36.6M-1774.9%	$2.2M
Financing Cash Flow	$193K-98.7%	$14.6M-37.7%	$23.4M+4207.2%	$543K-62.2%	$1.4M+124.4%	-$5.9M-114.9%	$39.5M+21.4%	$32.5M
Dividends Paid	$404K+0.2%	$403K+0.5%	$401K+0.3%	$400K+36.1%	$294K0.0%	$294K+0.3%	$293K-0.3%	$294K
Share Buybacks	$0	$0-100.0%	$535K+5.5%	$507K	N/A	N/A	N/A	N/A

FUSB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	72.0%-27.2pp	99.2%0.0pp	99.2%-0.1pp	99.3%
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	663.1%-45.7pp	708.9%+114.1pp	594.8%+583.6pp	11.2%+4.5pp	6.7%-3.8pp	10.5%
Return on Equity	8.3%-1.1pp	9.4%+1.3pp	8.1%+3.1pp	4.9%+1.8pp	3.1%-2.3pp	5.4%
Return on Assets	0.7%-0.1pp	0.8%+0.1pp	0.7%+0.2pp	0.5%+0.2pp	0.3%-0.3pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.110.0	0.120.0	0.130.0	0.12-9.2	9.27+1.0	8.31
FCF Margin	459.5%-509.8pp	969.3%-7.0pp	976.3%+953.8pp	22.6%+9.8pp	12.7%-5.9pp	18.6%

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	669.9%+614.1pp	55.8%-559.5pp	615.3%+603.4pp	11.9%-4.4pp	16.3%-683.3pp	699.7%-17.7pp	717.4%-9.6pp	727.0%
Return on Equity	1.9%+1.7pp	0.1%-1.6pp	1.8%+0.0pp	1.7%-0.8pp	2.5%+0.1pp	2.4%+0.1pp	2.4%-0.1pp	2.4%
Return on Assets	0.2%+0.2pp	0.0%-0.1pp	0.2%0.0pp	0.2%-0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.100.0	0.110.0	0.110.0	0.110.0	0.120.0	0.120.0	0.130.0	0.13
FCF Margin	1246.0%+652.9pp	593.2%+8.1pp	585.1%+570.0pp	15.1%+3.8pp	11.3%-1069.2pp	1080.5%-115.6pp	1196.1%-13.0pp	1209.1%

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Frequently Asked Questions

What is First Us Bancsha's annual revenue?

First Us Bancsha (FUSB) reported $1.2M in total revenue for fiscal year 2024. This represents a 2.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Us Bancsha's revenue growing?

First Us Bancsha (FUSB) revenue grew by 2.9% year-over-year, from $1.2M to $1.2M in fiscal year 2024.

Is First Us Bancsha profitable?

Yes, First Us Bancsha (FUSB) reported a net income of $8.2M in fiscal year 2024, with a net profit margin of 663.1%.

What is First Us Bancsha's earnings per share (EPS)?

First Us Bancsha (FUSB) reported diluted earnings per share of $1.33 for fiscal year 2024. This represents a 0.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does First Us Bancsha have?

As of fiscal year 2024, First Us Bancsha (FUSB) had $47.2M in cash and equivalents against $10.9M in long-term debt.

What is First Us Bancsha's net profit margin?

First Us Bancsha (FUSB) had a net profit margin of 663.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does First Us Bancsha pay dividends?

Yes, First Us Bancsha (FUSB) paid $0.22 per share in dividends during fiscal year 2024.

What is First Us Bancsha's return on equity (ROE)?

First Us Bancsha (FUSB) has a return on equity of 8.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is First Us Bancsha's free cash flow?

First Us Bancsha (FUSB) generated $5.7M in free cash flow during fiscal year 2024. This represents a -51.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Us Bancsha's operating cash flow?

First Us Bancsha (FUSB) generated $7.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are First Us Bancsha's total assets?

First Us Bancsha (FUSB) had $1.1B in total assets as of fiscal year 2024, including both current and long-term assets.

What are First Us Bancsha's capital expenditures?

First Us Bancsha (FUSB) invested $2.1M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does First Us Bancsha buy back shares?

Yes, First Us Bancsha (FUSB) spent $1.6M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does First Us Bancsha have outstanding?

First Us Bancsha (FUSB) had 6M shares outstanding as of fiscal year 2024.

What is First Us Bancsha's debt-to-equity ratio?

First Us Bancsha (FUSB) had a debt-to-equity ratio of 0.11 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Us Bancsha's return on assets (ROA)?

First Us Bancsha (FUSB) had a return on assets of 0.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is First Us Bancsha's Piotroski F-Score?

First Us Bancsha (FUSB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Us Bancsha's earnings high quality?

First Us Bancsha (FUSB) has an earnings quality ratio of 0.95x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Us Bancsha?

First Us Bancsha (FUSB) scores 68 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.