FUSB
First US Bancshares, Inc.13.20
-0.81-5.78%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
76.12MP/E (TTM)
14.19Basic EPS (TTM)
0.93Dividend Yield
0.02%Recent Filings
8-K
Q3 earnings rebound strongly
First US Bancshares swung back to solid earnings in Q3 2025, posting net income of $1.9 million, or $0.32 per diluted share, up sharply from $0.2 million in Q2 thanks to a slashed provision for credit losses at $0.6 million after resolving two commercial loan issues and normalizing consumer indirect charge-offs. Net interest income climbed 2% to $9.7 million with a steady 3.60% margin, while deposits grew 1.6% to $1.0 billion amid competitive pressures. Asset quality sharpened, nonperforming assets dropping to 0.19% of total assets. Provisions eased, but year-to-date net income trails last year's pace.
8-K
Q3 EPS jumps to $0.32
First US Bancshares reported Q3 2025 earnings with diluted EPS of $0.32, up sharply from $0.03 in Q2 thanks to a slashed provision for credit losses, while net interest margin held steady at 3.60%. Loans dipped $3.9 million quarterly but grew 5.4% year-to-date, fueled by consumer indirect and multi-family segments; deposits rose 1.6% to $1,002 million, with core deposits at 83.6%. Nonperforming assets fell to 0.19% of total assets. Earnings rebounded smartly.
8-K
Board elects new director
First US Bancshares expanded its board from 11 to 12 members by electing S. Nathan Gordon, an experienced corporate attorney, effective August 27, 2025. Gordon joins the bank's Asset/Liability, Retail/Operations/Compliance, and IT Steering Committees, bringing expertise in M&A, securities, and tax law. The bank maintains ordinary-course transactions with Gordon's family and entities. This bolsters governance amid routine related-party dealings.
10-Q
Q2 FY2025 results
First US Bancshares posted Q2 net income of $0.2M, down sharply from $2.1M a year ago, as a $2.7M provision for credit losses wiped out much of its $9.5M net interest income—up 3% y/y but with margin slipping to 3.6% from 3.7% amid slower repricing. Loan growth hit 6% q/q to $871M, fueled by $66M in high-credit indirect consumer deals, yet net charge-offs doubled to 0.5% of average loans, driven by commercial and indirect hits. Deposits edged up 1% to $987M, while cash swelled to $54M and short-term borrowings jumped to $35M for liquidity. Equity climbed 3% to $102M. Strong competition in banking squeezes margins further.
8-K
Q2 earnings drop on credit provisions
First US Bancshares swung to a $0.2 million net income for Q2 2025, down sharply from $1.8 million in Q1, hammered by a $2.7 million provision for credit losses tied to surging indirect consumer loans and two troubled commercial credits. Yet loans ballooned 2.7% to $871 million, deposits climbed 2.6% to $987 million, and net interest margin edged up to 3.59%. Provisions crushed profits. Elevated charge-offs signal credit risks in the expanding indirect portfolio.
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