MARKETS / NASDAQ / Financials / Banks / FUSB

NASDAQ · STATE COMMERCIAL BANKS · SMALL CAP

First US Bancshares, Inc. FUSB

16 fiscal years on record · USD · FY2025 reported · SEC filings only

4 YEARS OF DIVIDEND GROWTH

Net income

$6.0M

▼ 26.7% YoY

Free cash flow

$9.1M

▲ 60.5% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

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 operates and serves its customers through 15 full-service banking offices located in Birmingham, Butler, Calera, Centreville, Gilbertown, Grove Hill, Harpersville, Jackson, Thomasville, Tuscaloosa and Woodstock, Alabama; Knoxville and Powell, Tennessee; and Rose Hill, Virginia; as well as loan production offices in Mobile, Alabama and the Chattanooga, Tennessee area. The Bank also performs indirect lending through third-party retailers and currently conducts this lending in 17 states, including Alabama, Arkansas, Florida, Georgia, Indiana, Iowa, Kansas, Kentucky, Mississippi, Missouri, Nebraska, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia. Our strategy focuses on increasing franchise value by building and maintaining a strong and diversified balance sheet through continued loan and deposit growth that leverages our branch network, loan production offices, and digital market capabilities. As of December 31, 2025, the Bank had 152 full-time equivalent employees.

Written from the business description in First US Bancshares, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 12 March 2026. Every sentence was checked against that document before publication.

Growth

Revenue, FY2025 · full 16-year series below

Compound annual growth

Net income

−4.4%

+17.2%

EPS, diluted

−1.9%

+20.1%

+9.3%

Dividend / share

+26.0%

+18.5%

+13.3%

Returned to shareholders

−14.1%

+23.1%

+21.4%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 5.9%

5%-5%-10%

201020172025

Three returns, three denominators.

Return on equity5.9%

Return on assets0.5%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDA·

Each USD of equity produced 6 cents of profit this year.

Cash & shareholders

USD 3.4M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 9.1

10M20M-2M-3M

201020172025

Net buybacks $M Dividends $M

FY2025 · Dividends 1.6 · Net buybacks 1.8

2M4MDividendsNet buybacks

20102013201520172019202120232025

Dividends paidUSD 1.6M

Net buybacksUSD 1.8M

Share of profit56.2%

Consecutive raises4 years

USD 1.6M in dividends and USD 1.8M in buybacks — 56% of the year's profit went back to shareholders.

Total assetsUSD 1.2B

CashUSD 73.5M

Gross debtUSD 10.9M

Net debtUSD -62.6M

DepositsUSD 1.0B

Net debt stands at -59% of equity.

The 16-year record

16 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative—not applicable◌not available in our data

FUSB, 16-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Operating income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	◌	◌
EBITDA $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	0.0	0.0	◌	◌
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0	−0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0	0.0	0.0	0.0	0.0	0.0	−0.0	−0.0
Free cash flow $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS, diluted $	1.00	1.33	1.33	1.06	0.66	0.40	0.67	0.37	−0.07	0.19	0.41	0.57	0.65	0.36	−1.51	−0.53
Dividend / sh $	0.28	0.22	0.20	0.14	0.12	0.12	0.09	0.08	0.08	0.08	0.08	0.03	0.00	0.00	0.04	0.44
Payout %	27	15	14	12	17	27	12	20	−118	39	19	5	0	—	−3	−83
ROE %	5.9	8.6	9.7	7.8	5.0	3.2	5.6	3.2	−0.5	1.6	3.4	4.9	5.7	3.3	−12.9	−4.3
Shares out B	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures in 47 reconciliationsAUDITED

Reconciled in 16 of the 16 fiscal years we could check. 10 checks were skipped: cost of revenue is not tagged before 2017. Four checks were skipped: the share count is not tagged before 2011. Three checks were skipped: the balance sheet is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inDelaware

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2010