First US Bancshares Inc (FUSB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$16.45-1.32%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · FUSB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 17.3% |
| Our one-year growth estimate | diamond | 6.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 10.8 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Elevated risk of a next-quarter earnings miss: this name has been missing across recent quarters and is on a run of consecutive earnings misses. A fundamental tilt, not a price call.
Model as of 2026-11-05 · Compared with 231 industry peers · Company calendar date is not available
FUSB — CEO transition
Dated 2026-02-12
The filing describes the establishment of a new cash incentive program for executive officers and key employees.
Why it matters: The margin rose for a third straight quarter, reaching 3.66%. Another gain would support earnings strength.
Supportive ifQ4 net interest margin is above 3.66%.
Worry ifQ4 net interest margin is 3.66% or lower.
Why it matters: Total loans fell in Q3 as property projects paid off. Commercial relationship growth or indirect lending could offset those payoffs.
Supportive ifThe next results show total loans above $860.6 million, with growth beyond indirect consumer loans.
Worry ifTotal loans remain at or below $845.0 million, while property loan payoffs continue.
Why it matters: The Orange Beach office is a named step in the bank's Alabama expansion. Its opening would meet the stated timing.
Supportive ifThe bank announces that its Orange Beach office has opened by the end of 2027.
Worry ifThe office has not opened by the end of 2027, or the bank announces a delay or cancellation.
Why it matters: Core deposits grew from year-end, even as total deposits fell. More growth would support stable funding.
Supportive ifThe next results show core deposits above $844.6 million and above 83.2% of total deposits.
Worry ifCore deposits fall below $844.6 million or below 83.2% of total deposits.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$31 on $10,000 · ±0.3% | How much price usually moves either way. |
| Bad day | $256 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $888 loss on $10,000 · 8.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.