First US Bancshares Inc (FUSB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$16.48-0.42%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FUSB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to expand and strengthen the core deposit base to support loan growth and maintain funding capacity.
Stated as a priority in 2 of last 2 quarters. Core deposits were $853.8 million (82.2% of total deposits) at 2026-Q1 and $835.2 million (83.7%) at 2026-Q2. The deposit base showed slight decline quarter-over-quarter but remains a key funding source. Management is maintaining focus on core deposit growth with mixed recent results.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“CEO: 'We experienced growth in our core deposit franchise' and core deposits totaled $835.2 million.”
“CEO: 'We experienced growth in our core deposit franchise' and core deposits totaled $853.8 million.”
Open new banking center offices in Daphne and Orange Beach, Alabama to increase deposit gathering and market presence.
Stated as a priority in 2 of last 2 quarters. The Company opened a new banking center in Daphne, Alabama in 2026-Q2 and purchased an office in Orange Beach expected to open in 2027. Management is delivering on the expansion plan with new physical locations established or in progress.
“Opened new banking center office in Daphne, Alabama and purchased office in Orange Beach.”
“Nearing completion on renovation of banking center office in Daphne, Alabama expected to open in 2Q2026.”
Continue paying quarterly cash dividends at a consistent rate to shareholders.
Stated as a priority in 2 of last 2 quarters. The Company consistently declared a cash dividend of $0.07 per share in both 2026-Q1 and 2026-Q2, matching the dividend rate paid in all quarters of 2025. Management is maintaining steady dividend payments as committed.
“Declared cash dividend of $0.07 per share, consistent with prior quarters.”
“Declared cash dividend of $0.07 per share, consistent with all four quarters of 2025.”
Ensure capital ratios exceed regulatory well-capitalized thresholds and maintain liquidity to support operations and growth.
Stated as a priority in 2 of last 2 quarters. The Bank maintained a common equity Tier 1 capital ratio of 10.85% in both 2026-Q1 and 2026-Q2, exceeding regulatory well-capitalized levels. Tier 1 leverage ratio improved from 8.85% to 9.16% over the same period. Liquidity remains sufficient to support loan growth and operations. Management is delivering on capital and liquidity strength.
“Bank's common equity Tier 1 capital ratio was 10.85% and Tier 1 leverage ratio was 9.16%.”
“Bank's common equity Tier 1 capital ratio was 10.85% and Tier 1 leverage ratio was 8.85%.”
Over the trailing year it converted 1.08x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, the broad stock market, long-term interest rates, Fed net liquidity (low R² over the window).
4 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.