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

First Us Bancsha (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 Bancsha Financials

FUSB

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 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 16 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 2026-05-07

Balance-sheet growth has outpaced profitability, leaving a larger asset base earning less while cash generation stays comparatively resilient.

From FY2023 to FY2025, total assets increased from $1.07B to $1.15B and equity rose from $90.6M to $105.6M, but net income fell from $8.5M to $6.0M and ROA slipped from 0.8% to 0.5%. That combination says the company is carrying more balance-sheet volume without getting the same earnings yield from it, so recent growth looks more like scale maintenance than profit expansion.

Cash conversion is healthier than headline earnings imply: in FY2025, operating cash flow reached $12.3M versus $6.0M of net income. Across FY2023-FY2025, free cash flow totaled $26.3M while cumulative net income was $22.6M, which suggests reported profit has been broadly supported by cash rather than stretched by accruals.

The balance sheet remains liability-funded: FY2025 liabilities were $1.05B against $105.6M of equity, so small shifts in asset yield can move returns noticeably. Still, capitalization improved modestly as the equity share of assets rose from 8.4% in FY2023 to 9.1% in FY2025.

Financial Health Signals

Financial Health Score 27/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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 Bancsha'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

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

4/7

First Us Bancsha passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.06x

For every $1 of reported earnings, First Us Bancsha generates $2.06 in operating cash flow ($12.3M OCF vs $6.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.1M

YoY-7.5%

5Y CAGR-51.0%

10Y CAGR-27.9%

First Us Bancsha generated $1.1M in revenue in fiscal year 2025. This represents a decrease of 7.5% from the prior year.

EBITDA

N/A

Net Income

$6.0M

YoY-26.7%

5Y CAGR+17.2%

10Y CAGR+8.7%

First Us Bancsha reported $6.0M in net income in fiscal year 2025. This represents a decrease of 26.7% from the prior year.

EPS (Diluted)

$1.00

YoY-24.8%

5Y CAGR+20.1%

10Y CAGR+9.3%

First Us Bancsha earned $1.00 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 24.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$9.1M

YoY+60.5%

5Y CAGR+12.1%

10Y CAGR+9.3%

First Us Bancsha generated $9.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 60.5% from the prior year.

Cash & Debt

$73.5M

YoY+55.8%

5Y CAGR-4.9%

10Y CAGR+5.3%

First Us Bancsha held $73.5M in cash against $10.9M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.28

YoY+27.3%

5Y CAGR+18.5%

10Y CAGR+13.3%

First Us Bancsha paid $0.28 per share in dividends in fiscal year 2025. This represents an increase of 27.3% from the prior year.

Shares Outstanding

YoY+0.1%

5Y CAGR-1.6%

10Y CAGR-0.6%

First Us Bancsha had 6M shares outstanding in fiscal year 2025. This represents an increase of 0.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

525.6%

YoY-137.5pp

5Y CAGR+518.9pp

10Y CAGR+516.9pp

First Us Bancsha's net profit margin was 525.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 137.5 percentage points from the prior year.

Return on Equity

5.7%

YoY-2.6pp

5Y CAGR+2.6pp

10Y CAGR+2.3pp

First Us Bancsha's ROE was 5.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.8M

YoY+7.2%

5Y CAGR+31.3%

First Us Bancsha spent $1.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 7.2% from the prior year.

Capital Expenditures

$3.2M

YoY+54.3%

5Y CAGR+27.7%

10Y CAGR-1.2%

First Us Bancsha invested $3.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 54.3% from the prior year.

FUSB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.1M-7.5%	$1.2M+2.9%	$1.2M+3.7%	$1.2M-97.1%	$39.9M-1.1%	$40.4M
Cost of Revenue	N/A	N/A	N/A	$323K+0.3%	$322K-0.9%	$325K
Gross Profit	N/A	N/A	N/A	$831K-97.9%	$39.6M-1.1%	$40.1M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$15.3M-1.2%	$15.5M-3.8%	$16.1M-2.1%	$16.4M-14.3%	$19.2M-6.7%	$20.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$22.0M-0.7%	$22.1M+43.1%	$15.5M+263.2%	$4.3M+44.3%	$3.0M-36.0%	$4.6M
Income Tax	$1.9M-24.8%	$2.6M-7.3%	$2.8M+29.7%	$2.1M+68.5%	$1.3M+54.5%	$825K
Net Income	$6.0M-26.7%	$8.2M-3.7%	$8.5M+23.6%	$6.9M+54.2%	$4.5M+64.4%	$2.7M
EPS (Diluted)	$1.00-24.8%	$1.330.0%	$1.33+25.5%	$1.06+60.6%	$0.66+65.0%	$0.40

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$283K-98.1%	$15.3M+5181.0%	$289K+4.0%	$278K-3.5%	$288K-98.0%	$14.4M+4521.8%	$312K+4.7%	$298K
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	$3.8M-47.5%	$7.3M+93.4%	$3.8M-4.7%	$3.9M+5.6%	$3.7M-46.2%	$6.9M+81.1%	$3.8M-1.4%	$3.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.7M-2.0%	$5.8M+3.9%	$5.6M+4.5%	$5.4M+5.0%	$5.1M-9.7%	$5.7M-2.7%	$5.8M+8.6%	$5.4M
Income Tax	$515K-35.5%	$798K+36.9%	$583K+6377.8%	$9K-98.4%	$554K-7.5%	$599K-17.0%	$722K+18.0%	$612K
Net Income	$1.9M-8.6%	$2.1M+10.0%	$1.9M+1149.0%	$155K-91.3%	$1.8M+3.4%	$1.7M-22.9%	$2.2M+4.5%	$2.1M
EPS (Diluted)	$0.33-8.3%	$0.36+12.5%	$0.32+966.7%	$0.03-89.7%	$0.290.0%	$0.29-19.4%	$0.36+5.9%	$0.34

FUSB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.2B+4.9%	$1.1B+2.6%	$1.1B+7.9%	$994.7M+3.8%	$958.3M+7.6%	$890.5M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$73.5M+55.8%	$47.2M-6.1%	$50.3M+66.8%	$30.2M-50.8%	$61.2M-35.1%	$94.4M
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	$7.4M-0.5%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M
Total Liabilities	$1.0B+4.7%	$1.0B+2.0%	$982.3M+8.0%	$909.5M+4.8%	$868.2M+8.0%	$803.8M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$10.9M+0.7%	$10.9M+0.7%	$10.8M+0.7%	$10.7M+0.7%	$10.7M	N/A
Total Equity	$105.6M+7.1%	$98.6M+8.9%	$90.6M+6.4%	$85.1M-5.5%	$90.1M+3.9%	$86.7M
Retained Earnings	$121.2M+3.8%	$116.9M+6.3%	$110.0M+5.3%	$104.5M+6.1%	$98.4M+3.9%	$94.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.2B+0.9%	$1.2B+0.7%	$1.1B+0.3%	$1.1B+1.5%	$1.1B+2.4%	$1.1B+0.1%	$1.1B+1.6%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$66.6M-9.5%	$73.5M+34.5%	$54.7M+1.4%	$54.0M-3.7%	$56.0M+18.7%	$47.2M-42.6%	$82.3M+41.4%	$58.2M
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%	$7.4M-0.5%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M0.0%	$7.4M
Total Liabilities	$1.1B+1.1%	$1.0B+0.6%	$1.0B+0.1%	$1.0B+1.5%	$1.0B+2.3%	$1.0B+0.1%	$1.0B+1.2%	$989.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$11.0M+0.2%	$10.9M+0.2%	$10.9M+0.2%	$10.9M+0.2%	$10.9M+0.2%	$10.9M+0.2%	$10.9M+0.2%	$10.8M
Total Equity	$104.6M-1.0%	$105.6M+1.4%	$104.2M+2.3%	$101.9M+0.7%	$101.2M+2.6%	$98.6M+0.1%	$98.5M+5.0%	$93.8M
Retained Earnings	$122.8M+1.3%	$121.2M+1.4%	$119.5M+1.3%	$118.0M-0.2%	$118.2M+1.2%	$116.9M+1.1%	$115.6M+1.7%	$113.6M

FUSB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$12.3M+58.8%	$7.8M-40.6%	$13.1M+4.3%	$12.5M+27.5%	$9.8M+61.2%	$6.1M
Capital Expenditures	$3.2M+54.3%	$2.1M+43.4%	$1.5M+16.0%	$1.3M+53.5%	$822K-13.9%	$955K
Free Cash Flow	$9.1M+60.5%	$5.7M-51.2%	$11.6M+3.0%	$11.3M+25.1%	$9.0M+75.2%	$5.1M
Investing Cash Flow	-$28.1M+7.3%	-$30.3M+49.8%	-$60.4M+24.6%	-$80.2M+26.0%	-$108.3M-64.0%	-$66.1M
Financing Cash Flow	$42.1M+115.8%	$19.5M-71.1%	$67.5M+84.6%	$36.6M-44.0%	$65.3M-32.9%	$97.3M
Dividends Paid	$1.6M+27.2%	$1.3M+7.6%	$1.2M+41.2%	$832K+11.7%	$745K+0.7%	$740K
Share Buybacks	$1.8M+7.2%	$1.6M+15.5%	$1.4M-68.3%	$4.5M+753.5%	$525K+16.2%	$452K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$4.1M+67.8%	$2.4M-42.1%	$4.2M+8.3%	$3.9M+122.2%	$1.8M-28.3%	$2.4M+26.2%	$1.9M-23.8%	$2.5M
Capital Expenditures	$474K+60.1%	$296K-52.6%	$624K-72.3%	$2.3M+3115.7%	$70K-74.1%	$270K-59.3%	$664K+233.7%	$199K
Free Cash Flow	$3.6M+68.9%	$2.1M-40.3%	$3.6M+118.4%	$1.6M-2.1%	$1.7M-22.7%	$2.2M+70.8%	$1.3M-45.7%	$2.3M
Investing Cash Flow	-$19.3M-255.0%	$12.4M+437.9%	-$3.7M+82.1%	-$20.6M-26.0%	-$16.3M+57.2%	-$38.1M-444.3%	$11.1M+175.1%	-$14.7M
Financing Cash Flow	$8.2M+107.3%	$4.0M+1954.9%	$193K-98.7%	$14.6M-37.7%	$23.4M+4207.2%	$543K-95.1%	$11.1M+9.2%	$10.2M
Dividends Paid	$395K-1.3%	$400K-1.0%	$404K+0.2%	$403K+0.5%	$401K+0.3%	$400K+39.9%	$286K-1.0%	$289K
Share Buybacks	$2.2M+79.5%	$1.2M	$0	$0-100.0%	$535K+5.5%	$507K+58.9%	$319K-61.0%	$817K

FUSB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	72.0%-27.2pp	99.2%0.0pp	99.2%
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	525.6%-137.5pp	663.1%-45.7pp	708.9%+114.1pp	594.8%+583.6pp	11.2%+4.5pp	6.7%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.100.0	0.110.0	0.120.0	0.130.0	0.12-9.2	9.27
FCF Margin	796.8%+337.3pp	459.5%-509.8pp	969.3%-7.0pp	976.3%+953.8pp	22.6%+9.8pp	12.7%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	687.3%+673.3pp	14.0%-656.0pp	669.9%+614.1pp	55.8%-559.5pp	615.3%+603.4pp	11.9%-700.3pp	712.2%-1.6pp	713.8%
Return on Equity	1.9%-0.2pp	2.0%+0.2pp	1.9%+1.7pp	0.1%-1.6pp	1.8%+0.0pp	1.7%-0.5pp	2.3%-0.0pp	2.3%
Return on Assets	0.2%-0.0pp	0.2%+0.0pp	0.2%+0.2pp	0.0%-0.1pp	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	0.100.0	0.100.0	0.110.0	0.110.0	0.110.0	0.110.0	0.12
FCF Margin	1282.3%+1268.3pp	14.1%-1231.9pp	1246.0%+652.9pp	593.2%+8.1pp	585.1%+570.0pp	15.1%-393.9pp	409.0%-379.0pp	787.9%

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Frequently Asked Questions

What is First Us Bancsha's annual revenue?

First Us Bancsha (FUSB) reported $1.1M in total revenue for fiscal year 2025. This represents a -7.5% 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 declined by 7.5% year-over-year, from $1.2M to $1.1M in fiscal year 2025.

Is First Us Bancsha profitable?

Yes, First Us Bancsha (FUSB) reported a net income of $6.0M in fiscal year 2025, with a net profit margin of 525.6%.

How much debt does First Us Bancsha have?

As of fiscal year 2025, First Us Bancsha (FUSB) had $73.5M 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 525.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Us Bancsha pay dividends?

Yes, First Us Bancsha (FUSB) paid $0.28 per share in dividends during fiscal year 2025.

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

First Us Bancsha (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 Bancsha's free cash flow?

First Us Bancsha (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 Bancsha's operating cash flow?

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

What are First Us Bancsha's total assets?

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

What are First Us Bancsha's capital expenditures?

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

Does First Us Bancsha buy back shares?

Yes, First Us Bancsha (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 Bancsha have outstanding?

First Us Bancsha (FUSB) had 6M shares outstanding as of fiscal year 2025.

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

First Us Bancsha (FUSB) had a debt-to-equity ratio of 0.10 as of fiscal year 2025, 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 0.5% for fiscal year 2025, 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 4 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.

Are First Us Bancsha's earnings high quality?

First Us Bancsha (FUSB) has an earnings quality ratio of 2.06x, considered cash-backed (high 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 27 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite 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.