What is First US Bancshares, Inc.'s earnings per share (EPS)?

First US Bancshares, Inc. (FUSB) reported diluted earnings per share of $1.00 for fiscal year 2025. This represents a -24.8% 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.

First US Bancshares (FUSB) Financials

FUSB NASDAQ

FY2025 annual

Revenue $41.0M +3.3% YoY

Net Income $6.0M -26.7% YoY

EPS (Diluted) $1.00 -24.8% YoY

Free Cash Flow $9.1M +60.5% YoY

Market Cap $90.8M as of Oct 28, 2026

Price / Sales 2.2x on $41.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 15.2x on $6.0M net income, FY2025

Price / Book 0.9x on $104.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 28, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FUSB SEC filings page.

First US Bancshares, Inc. (FUSB) reported $41.0M in revenue for fiscal year 2025, up 3.3% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI FUSB FY2025 2026-10-25

The bank is growing its balance sheet while liabilities fund most assets, and 2025 earnings weakened despite recovering cash generation.

FY2025 operating cash flow rose 58.8% to $12.3M even as net income fell 26.7% to $6.0M; cash generation outpaced reported earnings rather than merely tracking them. Free cash flow also recovered 60.5% to $9.1M, although capital expenditures rose 54.3% to $3.2M, indicating the rebound was not simply caused by reduced reinvestment.

This is a balance-sheet-led business: assets expanded 4.9% in FY2025 to $1.15B, while liabilities represented 90.9% of assets. The low debt-to-equity ratio of 0.1x can mask the broader funding structure: total liabilities-to-equity was 9.9x, showing that most balance-sheet funding is not captured by long-term debt.

Revenue grew 3.3% in FY2025, yet net profit margin fell 6.0 percentage points to 14.6%; top-line growth did not translate into proportional earnings. Operating cash flow had fallen 40.6% in FY2024 before recovering, making cash conversion more variable than the relatively steady revenue line.

Financial Health Signals

Financial Health Score 29/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First US Bancshares, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

First US Bancshares, Inc. earned a return on assets of 0.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.7% the prior year. Earnings ranks banks on that return over three years, and First US Bancshares, Inc. scores 32/100 among other banks.

Growth

First US Bancshares, Inc. reported revenue of $41.0M in fiscal year 2025, against $39.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First US Bancshares, Inc. scores 18/100 among other banks.

Capital

First US Bancshares, Inc. funded 9.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $105.6M of equity against $1.2B of assets. Capital ranks banks on that cushion, and First US Bancshares, Inc. scores 23/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First US Bancshares, Inc. scores 26/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. First US Bancshares, Inc. scores 22/100 on it among other banks.

Stability

First US Bancshares, Inc. reported net income of $6.0M in fiscal year 2025, against $8.2M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First US Bancshares, Inc. scores 55/100 among other banks.

Piotroski F-Score Partial

5/7

First US Bancshares, Inc. passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.

Key Financial Metrics

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Earnings & Revenue

Revenue

$10.8M

YoY+4.8%

QoQ+7.6%

5Y CAGR+1.3%

10Y CAGR+2.6%

First US Bancshares, Inc. generated $10.8M in revenue in Q2 2026. This represents an increase of 4.8% from the same quarter a year earlier. Against the prior quarter it is up 7.6%.

Net Income

$1.8M

YoY+1031.0%

QoQ-9.9%

First US Bancshares, Inc. reported $1.8M in net income in Q2 2026. This represents an increase of 1031.0% from the same quarter a year earlier. Against the prior quarter it is down 9.9%.

EPS (Diluted)

$0.31

YoY+933.3%

QoQ-6.1%

5Y CAGR+17.2%

10Y CAGR+16.0%

First US Bancshares, Inc. earned $0.31 per diluted share (EPS) in Q2 2026. This represents an increase of 933.3% from the same quarter a year earlier. Against the prior quarter it is down 6.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$644K

YoY-139.1%

QoQ-117.7%

First US Bancshares, Inc. recorded an outflow of $644K in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 139.1% from the same quarter a year earlier. Against the prior quarter it is down 117.7%.

Cash & Debt

$58.9M

YoY+9.2%

QoQ-11.5%

5Y CAGR-6.4%

10Y CAGR+3.3%

First US Bancshares, Inc. held $58.9M in cash against $11.0M in long-term debt as of Q2 2026.

Dividends Per Share

$0.07

YoY0.0%

QoQ0.0%

5Y CAGR+18.5%

10Y CAGR+13.3%

First US Bancshares, Inc. paid $0.07 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY-4.4%

QoQ-1.1%

5Y CAGR-2.4%

10Y CAGR-0.9%

First US Bancshares, Inc. had 6M shares outstanding in Q2 2026. This represents a decrease of 4.4% from the same quarter a year earlier. Against the prior quarter it is down 1.1%.

Margins & Returns

Net Margin

16.2%

YoY+14.7pp

QoQ-3.1pp

First US Bancshares, Inc.'s net profit margin was 16.2% in Q2 2026, showing the share of revenue converted to profit. This is up 14.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.1 percentage points.

Return on Equity

1.7%

YoY+1.5pp

QoQ-0.2pp

First US Bancshares, Inc.'s quarterly ROE was 1.7% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$1.4M

YoYn/m

QoQ-34.6%

First US Bancshares, Inc. spent $1.4M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. Against the prior quarter it is down 34.6%.

Capital Expenditures

$1.3M

YoY-40.4%

QoQ+182.9%

5Y CAGR+26.3%

10Y CAGR+14.4%

First US Bancshares, Inc. invested $1.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 40.4% from the same quarter a year earlier. Against the prior quarter it is up 182.9%.

R&D Spending

Not reported for Q2 2026.

FUSB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FUSB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$41.8M	$41.0M+3.3%	$39.7M-2.5%	$40.7M+0.8%	$40.4M-0.2%	$40.5M-0.7%	$40.8M-3.6%	$42.3M+10.2%	$38.4M+16.1%	$33.1M-0.1%	$33.1M+2.9%	$32.1M-5.2%	$33.9M-4.8%	$35.6M-10.5%	$39.8M-9.7%	$44.1M
Cost of Revenue	N/A	N/A	N/A	N/A	$323K+0.3%	$322K-0.9%	$325K+4.8%	$310K-37.0%	$492K+33.3%	$369K	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	$40.1M-0.3%	$40.2M-0.7%	$40.5M-3.7%	$42.0M+10.8%	$37.9M+16.0%	$32.7M	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$22.3M	$22.0M-0.7%	$22.1M+43.1%	$15.5M+263.2%	$4.3M+44.3%	$3.0M-36.0%	$4.6M-30.6%	$6.6M+52.8%	$4.3M+60.8%	$2.7M+19.2%	$2.3M-0.8%	$2.3M-10.3%	$2.6M-12.1%	$2.9M-36.2%	$4.6M-35.1%	$7.0M
Income Tax	$2.4M	$1.9M-24.8%	$2.6M-7.3%	$2.8M+29.7%	$2.1M+68.5%	$1.3M+54.5%	$825K-33.8%	$1.2M+38.3%	$901K-70.3%	$3.0M+1695.9%	$169K-82.2%	$951K-48.0%	$1.8M+21.2%	$1.5M+102.6%	$745Kn/m	-$6.0M
Net Income	N/A	$6.0M-26.7%	$8.2M-3.7%	$8.5M+23.6%	$6.9M+54.2%	$4.5M+64.4%	$2.7M-40.7%	$4.6M+83.4%	$2.5M	N/A	$1.2M-52.8%	$2.6M-26.9%	$3.5M	N/A	$2.2Mn/m	-$9.1M
EPS (Basic)	N/A	$1.03-26.4%	$1.40-1.4%	$1.42+25.7%	$1.13+61.4%	$0.70+62.8%	$0.43-39.4%	$0.71+77.5%	$0.40n/m	-$0.07-135.0%	$0.20-52.4%	$0.42-27.6%	$0.58-10.8%	$0.65+80.6%	$0.36n/m	-$1.51
EPS (Diluted)	$1.32	$1.00-24.8%	$1.330.0%	$1.33+25.5%	$1.06+60.6%	$0.66+65.0%	$0.40-40.3%	$0.67+81.1%	$0.37n/m	-$0.07-136.8%	$0.19-53.7%	$0.41-28.1%	$0.57-12.3%	$0.65+80.6%	$0.36n/m	-$1.51
Diluted Shares (Avg)	N/A	6M-1.9%	6M-4.0%	6M-2.0%	7M-3.5%	7M+0.6%	7M-1.4%	7M+2.2%	7M+7.8%	6M-3.9%	6M+1.7%	6M+1.7%	6M	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$10.8M+4.8%	$10.1M+2.9%	$10.4M+7.1%	$10.5M+4.3%	$10.3M+3.1%	$9.8M-1.3%	$9.7M-3.0%	$10.1M-2.3%
Interest Expense	$5.2M-4.1%	$5.7M+11.8%	$5.8M+2.9%	$5.6M-3.7%	$5.4M+0.1%	$5.1M-2.2%	$5.7M+17.3%	$5.8M+32.0%
Income Tax	$483K+5266.7%	$515K-7.0%	$798K+33.2%	$583K-19.3%	$9K-98.5%	$554K-14.9%	$599K-23.4%	$722K+2.6%
Net Income	$1.8M+1031.0%	$1.9M+9.8%	N/A	$1.9M-12.9%	$155K-92.7%	$1.8M-15.9%	N/A	$2.2M+5.2%
EPS (Basic)	$0.31+933.3%	$0.34+13.3%	$0.37+23.3%	$0.33-13.2%	$0.03-91.7%	$0.30-16.7%	$0.30-21.1%	$0.38+8.6%
EPS (Diluted)	$0.31+933.3%	$0.33+13.8%	$0.36+24.1%	$0.32-11.1%	$0.03-91.2%	$0.29-14.7%	$0.29-19.4%	$0.36+9.1%
Diluted Shares (Avg)	6M-4.9%	6M-3.0%	N/A	6M-1.4%	6M-2.5%	6M-3.5%	N/A	6M-3.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

FUSB Balance Sheet

FUSB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.2B+4.9%	$1.1B+2.6%	$1.1B+7.9%	$994.7M+3.8%	$958.3M+7.6%	$890.5M+12.9%	$788.7M-0.4%	$791.9M+26.6%	$625.6M+3.1%	$606.9M+5.4%	$575.8M+0.6%	$572.6M+0.5%	$569.8M+0.5%	$567.1M-8.8%	$621.8M
Cash & Equivalents	$73.5M+55.8%	$47.2M-6.1%	$50.3M+66.8%	$30.2M-50.8%	$61.2M-35.1%	$94.4M+65.6%	$57.0M+15.0%	$49.6M+82.9%	$27.1M+15.3%	$23.5M-46.6%	$44.1M+29.0%	$34.2M-28.4%	$47.7M-11.8%	$54.1M+2.5%	$52.8M
Goodwill	$7.4M-0.5%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M+0.5%	$7.4M0.0%	$7.4Mn/m	$0	N/A	N/A	N/A	N/A	N/A	$0
Total Liabilities	$1.0B+4.7%	$1.0B+2.0%	$982.3M+8.0%	$909.5M+4.8%	$868.2M+8.0%	$803.8M+14.2%	$704.0M-1.2%	$712.5M+29.7%	$549.4M+3.5%	$530.7M+6.4%	$498.8M+0.3%	$497.4M-0.5%	$499.7M+0.2%	$498.5M-10.3%	$555.6M
Long-Term Debt	$10.9M+0.7%	$10.9M+0.7%	$10.8M+0.7%	$10.7M+0.7%	$10.7M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$20.0M
Total Equity	$105.6M+7.1%	$98.6M+8.9%	$90.6M+6.4%	$85.1M-5.5%	$90.1M+3.9%	$86.7M+2.3%	$84.7M+6.7%	$79.4M+4.2%	$76.2M0.0%	$76.3M-1.0%	$77.0M+1.5%	$75.9M+8.2%	$70.1M+2.1%	$68.7M+3.7%	$66.2M
Retained Earnings	$121.2M+3.8%	$116.9M+6.3%	$110.0M+5.3%	$104.5M+6.1%	$98.4M+3.9%	$94.7M+2.1%	$92.8M+4.6%	$88.7M+2.3%	$86.7M-0.9%	$87.4M+0.9%	$86.7M+2.5%	$84.6M+4.1%	$81.2M+5.1%	$77.3M+2.9%	$75.1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$1.1B+0.4%	$1.2B+3.4%	$1.2B+4.9%	$1.1B+4.3%	$1.1B+5.5%	$1.1B+5.3%	$1.1B+2.6%	$1.1B+3.3%
Cash & Equivalents	$58.9M+9.2%	$66.6M+18.8%	$73.5M+55.8%	$54.7M-33.6%	$54.0M-7.3%	$56.0M-7.0%	$47.2M-6.1%	$82.3M+24.5%
Goodwill	$7.4M-0.5%	$7.4M-0.5%	$7.4M-0.5%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%
Total Liabilities	$1.0B+0.2%	$1.1B+3.4%	$1.0B+4.7%	$1.0B+4.1%	$1.0B+5.3%	$1.0B+4.9%	$1.0B+2.0%	$1.0B+2.4%
Long-Term Debt	$11.0M+0.7%	$11.0M+0.7%	$10.9M+0.7%	$10.9M+0.7%	$10.9M+0.7%	$10.9M+0.7%	$10.9M+0.7%	$10.9M+0.7%
Total Equity	$104.3M+2.3%	$104.6M+3.4%	$105.6M+7.1%	$104.2M+5.8%	$101.9M+8.6%	$101.2M+9.6%	$98.6M+8.9%	$98.5M+12.7%
Retained Earnings	$124.2M+5.2%	$122.8M+3.9%	$121.2M+3.8%	$119.5M+3.4%	$118.0M+3.8%	$118.2M+5.8%	$116.9M+6.3%	$115.6M+7.0%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

FUSB Cash Flow Statement

FUSB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$11.5M	$12.3M+58.8%	$7.8M-40.6%	$13.1M+4.3%	$12.5M+27.5%	$9.8M+61.2%	$6.1M-46.1%	$11.3M+40.3%	$8.1M+19.4%	$6.8M-17.5%	$8.2M+10.6%	$7.4M-13.6%	$8.6M-21.6%	$10.9M-32.3%	$16.1M-1.5%	$16.4M
Depreciation & Amortization	N/A	$1.7M+6.3%	$1.6M+99999900.0%	$2-100.0%	$1.6M-5.4%	$1.7M+0.5%	$1.7M+4.7%	$1.6M+10.6%	$1.5M+28.4%	$1.1M+17.3%	$966K+10.9%	$871K+8.5%	$803K+12.0%	$717K+0.3%	$715K+2.7%	$696K
Stock-Based Compensation	N/A	$744K+20.6%	$617K+3.5%	$596K+22.9%	$485K+11.2%	$436K+3.6%	$421K+16.9%	$360K-18.9%	$444K+21.3%	$366K+30.2%	$281K-32.5%	$416K-6.1%	$443K+185.8%	$155K	N/A	N/A
Capital Expenditures	$2.7M	$3.2M+54.3%	$2.1M+43.4%	$1.5M+16.0%	$1.3M+53.5%	$822K-13.9%	$955K-70.0%	$3.2M+105.6%	$1.5M-85.1%	$10.4M+31.7%	$7.9M+115.4%	$3.7M+114.5%	$1.7M+348.3%	$381K-33.4%	$572K+14.2%	$501K
Free Cash Flow	$8.7M	$9.1M+60.5%	$5.7M-51.2%	$11.6M+3.0%	$11.3M+25.1%	$9.0M+75.2%	$5.1M-36.8%	$8.1M+24.8%	$6.5Mn/m	-$3.6M-1355.5%	$290K-92.2%	$3.7M-45.5%	$6.9M-35.0%	$10.5M-32.3%	$15.6M-2.0%	$15.9M
Investing Cash Flow	-$1.1M	-$28.1Mn/m	-$30.3Mn/m	-$60.4Mn/m	-$80.2Mn/m	-$108.3Mn/m	-$66.1M-779.5%	$9.7M+259.8%	$2.7Mn/m	-$22.6Mn/m	-$59.3M	N/A	N/A	-$18.2M-142.3%	$42.9M+322.3%	$10.2M
Financing Cash Flow	-$5.4M	$42.1M+115.8%	$19.5M-71.1%	$67.5M+84.6%	$36.6M-44.0%	$65.3M-32.9%	$97.3Mn/m	-$13.6M-216.2%	$11.7M-39.8%	$19.5M-36.3%	$30.6M	N/A	N/A	$838Kn/m	-$57.8M-554.4%	$12.7M
Dividends Paid	$1.6M	$1.6M+27.2%	$1.3M+7.6%	$1.2M+41.2%	$832K+11.7%	$745K+0.7%	$740K+31.7%	$562K+13.5%	$495K+1.9%	$486K+0.6%	$483K-0.2%	$484K+167.4%	$181Kn/m	$0	N/A	$241K
Share Buybacks	$4.9M	$1.8M+7.2%	$1.6M+15.5%	$1.4M-68.3%	$4.5M+753.5%	$525K+16.2%	$452K-69.4%	$1.5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$3K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$697K-82.1%	$4.1M+133.8%	$2.4M-0.2%	$4.2M+117.9%	$3.9M+53.0%	$1.8M+112.7%	$2.4M+18.9%	$1.9M-51.5%
Stock-Based Compensation	N/A	$189K+9.9%	N/A	N/A	N/A	$172K+9.6%	N/A	N/A
Capital Expenditures	$1.3M-40.4%	$474K+577.1%	$296K+9.6%	$624K-6.0%	$2.3M+1031.2%	$70K-92.8%	$270K-44.3%	$664K-9.9%
Free Cash Flow	-$644K-139.1%	$3.6M+115.4%	$2.1M-1.4%	$3.6M+182.4%	$1.6M-29.9%	$1.7Mn/m	$2.2M+38.3%	$1.3M-60.9%
Investing Cash Flow	$9.4Mn/m	-$19.3Mn/m	$12.4Mn/m	-$3.7M-133.3%	-$20.6Mn/m	-$16.3M-243.1%	-$38.1Mn/m	$11.1Mn/m
Financing Cash Flow	-$17.8M-221.8%	$8.2M-64.8%	$4.0M+630.4%	$193K-98.3%	$14.6M+43.6%	$23.4Mn/m	$543K-62.2%	$11.1Mn/m
Dividends Paid	$386K-4.2%	$395K-1.5%	$400K0.0%	$404K+41.3%	$403K+39.4%	$401K+38.8%	$400K+36.1%	$286K-2.7%
Share Buybacks	$1.4Mn/m	$2.2M+311.4%	$1.2M+141.8%	$0-100.0%	$0-100.0%	$535Kn/m	$507K	$319K

Not reported in any period shown, so not listed: Depreciation & Amortization.

FUSB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FUSB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Gross Margin	N/A	N/A	N/A	99.2%0.0pp	99.2%0.0pp	99.2%-0.1pp	99.3%+0.6pp	98.7%-0.2pp	98.9%	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	14.6%-6.0pp	20.6%-0.3pp	20.8%+3.8pp	17.0%+6.0pp	11.0%+4.3pp	6.6%-4.1pp	10.8%+4.3pp	6.5%	N/A	3.7%-4.4pp	8.1%-2.4pp	10.5%	N/A	5.5%+26.1pp	-20.6%
Return on Equity	5.7%-2.6pp	8.3%-1.1pp	9.4%+1.3pp	8.1%+3.1pp	4.9%+1.8pp	3.1%-2.3pp	5.4%+2.3pp	3.1%	N/A	1.6%-1.8pp	3.4%-1.3pp	4.7%	N/A	3.2%+16.9pp	-13.7%
Return on Assets	0.5%-0.2pp	0.7%-0.1pp	0.8%+0.1pp	0.7%+0.2pp	0.5%+0.2pp	0.3%-0.3pp	0.6%+0.3pp	0.3%	N/A	0.2%-0.2pp	0.4%-0.2pp	0.6%	N/A	0.4%+1.8pp	-1.5%
Debt-to-Equity	0.100.0x	0.110.0x	0.120.0x	0.130.0x	0.12	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	0.30
Liabilities-to-Equity	9.93-0.2x	10.16-0.7x	10.84+0.2x	10.68+1.0x	9.64+0.4x	9.27+1.0x	8.31-0.7x	8.97+1.8x	7.21+0.2x	6.96+0.5x	6.47-0.1x	6.55-0.6x	7.13-0.1x	7.26-1.1x	8.39
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.060.0x	0.060.0x	0.060.0x	0.070.0x	0.07
FCF Margin	22.1%+7.9pp	14.2%-14.2pp	28.5%+0.6pp	27.9%+5.7pp	22.2%+9.6pp	12.6%-6.6pp	19.2%+2.3pp	17.0%+28.0pp	-11.0%-11.9pp	0.9%-10.7pp	11.6%-8.6pp	20.2%-9.4pp	29.6%-9.5pp	39.2%+3.1pp	36.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	16.2%+14.7pp	19.3%+1.2pp	N/A	18.4%-3.6pp	1.5%-19.8pp	18.1%-3.1pp	N/A	22.0%+1.6pp
Return on Equity	1.7%+1.5pp	1.9%+0.1pp	N/A	1.9%-0.4pp	0.1%-2.1pp	1.8%-0.5pp	N/A	2.3%-0.2pp
Return on Assets	0.1%+0.1pp	0.2%0.0pp	N/A	0.2%0.0pp	0.0%-0.2pp	0.2%0.0pp	N/A	0.2%0.0pp
Debt-to-Equity	0.110.0x	0.100.0x	0.100.0x	0.100.0x	0.110.0x	0.110.0x	0.110.0x	0.110.0x
Liabilities-to-Equity	10.00-0.2x	10.140.0x	9.93-0.2x	10.01-0.2x	10.22-0.3x	10.13-0.5x	10.16-0.7x	10.17-1.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	-5.9%-21.9pp	36.1%+18.9pp	20.6%-1.8pp	34.2%+21.6pp	16.0%-7.5pp	17.2%+18.7pp	22.4%+6.7pp	12.7%-19.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First US Bancshares, Inc. FUSB	FY2025	$41.0M	$6.0M	14.6%	$90.8M	29/100
Bank of the James Financial Group, Inc BOTJ	FY2025	$48.7M	$9.0M	18.5%	$131.9M	52/100
Broadway Financial Corp/Del BYFC	FY2025	$34.9M	-$24.8M	-71.0%	$106.2M	24/100
First Northwest Bancorp FNWB	FY2025	$68.9M	-$4.2M	-6.1%	$98.2M	13/100
Auburn National Bancorporation AUBN	FY2025	$32.8M	$7.3M	22.1%	$89.6M	42/100

Where First US Bancshares, Inc. Ranks

Frequently Asked Questions

What is First US Bancshares, Inc.'s annual revenue?

First US Bancshares, Inc. (FUSB) reported $41.0M in total revenue for fiscal year 2025. This represents a 3.3% 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 Bancshares, Inc.'s revenue growing?

First US Bancshares, Inc. (FUSB) revenue grew by 3.3% year-over-year, from $39.7M to $41.0M in fiscal year 2025.

Is First US Bancshares, Inc. profitable?

Yes, First US Bancshares, Inc. (FUSB) reported a net income of $6.0M in fiscal year 2025, with a net profit margin of 14.6%.

How much debt does First US Bancshares, Inc. have?

As of fiscal year 2025, First US Bancshares, Inc. (FUSB) had $73.5M in cash and equivalents against $10.9M in long-term debt.

What is First US Bancshares, Inc.'s net profit margin?

First US Bancshares, Inc. (FUSB) had a net profit margin of 14.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First US Bancshares, Inc. pay dividends?

Yes, First US Bancshares, Inc. (FUSB) paid $0.28 per share in dividends during fiscal year 2025.

What is First US Bancshares, Inc.'s return on equity (ROE)?

First US Bancshares, Inc. (FUSB) has a return on equity of 5.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First US Bancshares, Inc.'s free cash flow?

First US Bancshares, Inc. (FUSB) generated $9.1M in free cash flow during fiscal year 2025. This represents a 60.5% 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 Bancshares, Inc.'s operating cash flow?

First US Bancshares, Inc. (FUSB) generated $12.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First US Bancshares, Inc.'s total assets?

First US Bancshares, Inc. (FUSB) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First US Bancshares, Inc.'s capital expenditures?

First US Bancshares, Inc. (FUSB) invested $3.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does First US Bancshares, Inc. buy back shares?

Yes, First US Bancshares, Inc. (FUSB) spent $1.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does First US Bancshares, Inc. have outstanding?

First US Bancshares, Inc. (FUSB) had 6M shares outstanding as of fiscal year 2025.

What is First US Bancshares, Inc.'s debt-to-equity ratio?

First US Bancshares, Inc. (FUSB) had a debt-to-equity ratio of 0.10 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is First US Bancshares, Inc.'s liabilities-to-equity ratio?

First US Bancshares, Inc. (FUSB) had a liabilities-to-equity ratio of 9.93 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is First US Bancshares, Inc.'s return on assets (ROA)?

First US Bancshares, Inc. (FUSB) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First US Bancshares, Inc.'s P/E ratio?

First US Bancshares, Inc. (FUSB) trades at 15.2x earnings, its market capitalization divided by $6.0M net income, FY2025. The market capitalization is $90.8M as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First US Bancshares, Inc.'s price-to-sales ratio?

First US Bancshares, Inc. (FUSB) trades at 2.2x sales, its market capitalization divided by $41.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $90.8M as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First US Bancshares, Inc.'s Piotroski F-Score?

First US Bancshares, Inc. (FUSB) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is First US Bancshares, Inc.?

First US Bancshares, Inc. (FUSB) scores 29 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.