First US Bancshares Inc (FUSB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$16.67+1.09%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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.
While the Company has experienced substantial payoffs of real estate loans during 2026 (including construction, multi-family and commercial real estate), the commercial lending team is strategically…
Stated in 2 of 3 supplied quarters. Management reported: “We experienced robust loan growth during the quarter, particularly in the Bank’s construction and indirect consumer lending portfolios.” “In addition, we saw substantial margin improvement from 1Q2026 as we were able to manage deposit costs downward in a meaningful way,” continued Mr. House.”
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 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“While the Company has experienced substantial payoffs of real estate loans during 2026 (including construction, multi-family and commercial real estate), the commercial lending team is strategically…”
“We experienced robust loan growth during the quarter, particularly in the Bank’s construction and indirect consumer lending portfolios.”
The decrease in both wholesale deposits, as well as other interest-bearing deposits, assisted management’s efforts to reduce overall deposit costs, while maintaining an appropriate level of core fund…
Stated in 1 of 3 supplied quarters. Management reported: “In addition, we saw substantial margin improvement from 1Q2026 as we were able to manage deposit costs downward in a meaningful way,” continued Mr. House.” “The decrease in both wholesale deposits, as well as other interest-bearing deposits, assisted management’s efforts to reduce overall deposit costs, while maintaining an appropriate level of core funding.”
“The decrease in both wholesale deposits, as well as other interest-bearing deposits, assisted management’s efforts to reduce overall deposit costs, while maintaining an appropriate level of core fund…”
We remain focused on disciplined pricing and credit quality while maintaining flexibility to respond to opportunities in our markets,” continued Mr. House.
Stated in 1 of 3 supplied quarters. Management reported: “We remain focused on disciplined pricing and credit quality while maintaining flexibility to respond to opportunities in our markets,” continued Mr. House.”
“We remain focused on disciplined pricing and credit quality while maintaining flexibility to respond to opportunities in our markets,” continued Mr. House.”
Banking Center Growth – During 2Q2026, the Company opened a new banking center office in Daphne, Alabama.
Stated in 1 of 3 supplied quarters. Management reported: “Banking Center Growth – During 2Q2026, the Company opened a new banking center office in Daphne, Alabama.” “In addition, during 2Q2026, the Company purchased an office in Orange Beach, Alabama, which is expected to serve as a banking center following the completion of renovations.”
“Banking Center Growth – During 2Q2026, the Company opened a new banking center office in Daphne, Alabama.”
Return capital through the existing share repurchase program and a recurring quarterly cash dividend.
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=9158).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (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 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-04.