FUSB
First US Bancshares, Inc.13.20
-0.81-5.78%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '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
10-K
FY2025 results
First US Bancshares posted FY2025 net income of $6.0M ($1.00 diluted EPS), down from $8.2M ($1.33) in 2024, as $4.0M credit provision overwhelmed 3.6% loan growth to $853M and 3.6% net interest income rise to $37.5M. Q4 showed momentum with nonperforming assets plunging to 0.14% of assets from 0.50% year-end 2024, driven by commercial resolutions, while net charge-offs eased to 0.41% annualized. Deposits swelled 5.8% to $1.03B amid brokered inflows tied to hedging; repurchased 128K shares at $13.76 average. Q4 accelerated core metrics. CRE concentration lingers at 257% of capital.
8-K
2026 exec incentive program set
First US Bancshares established its 2026 Cash Incentive Program on February 9, tying executive bonuses to pre-tax income (25%), ROAA (25-30%), ROATE (15-25%), loan growth (15% for Mitchell), and 20% discretion. CEO House targets 45% of base salary at budget; payouts scale 50-150% of target versus threshold/maximum. Regulatory downgrades slash up to 35%. Recoupment claws back misstated gains.
8-K
FUSB 2025 results released
First US Bancshares released its investor presentation covering financial results through December 31, 2025, showing full-year diluted EPS of $1.00, down from $1.33 in 2024 due to higher 2Q provision for credit losses. Loans grew 3.6% YTD to $853 million; deposits rose 2.5% in 4Q to $1,028 million, yet core deposits slipped to 81.6%. EPS dipped. Tangible book value climbed 7.7% YOY to $17.23.
8-K
Q4 net income rises 10%
First US Bancshares posted Q4 2025 net income of $2.1M, up 10% from Q3's $1.9M yet down from 2024 full-year $8.2M to $6.0M amid credit provisions. Loans dipped $14.5M to $853M, deposits climbed $25.5M to $1.03B, nonperformers crashed to 0.14% of assets. Credit metrics sharpened. New branches eyed for 2026.
10-Q
Q3 FY2025 results
First US Bancshares posted Q3 net income of $1.9M, down 13% y/y yet steady on stable net interest income of $9.7M (flat y/y, margin 3.60%) amid loan growth to $868M driven by $76M in higher-end indirect consumer lending. Provision for credit losses jumped to $0.6M from $0.2M y/y on portfolio expansion, while non-interest expense rose 6% to $7.4M from higher collections and foreclosure costs. Deposits climbed 3% to $1.0B with $55M cash; short-term borrowings doubled to $20M, backed by $313M FHLB and $201M FRB availability. Diluted EPS fell to $0.32 from $0.36, consistent with 6.1M shares. Strong competition pressures deposit pricing.
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