ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First US Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 0.57%
2
Healthy long term growth as Net profit has grown by an annual rate of 17.19%
3
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 14.66 MM
- NET PROFIT(9M) Higher at USD 6.01 MM
4
With ROA of 0.37%, it has a fair valuation with a 1.03 Price to Book Value
- Over the past year, while the stock has generated a return of 29.36%, its profits have fallen by -26.7%
5
Increasing Participation by Institutional Investors
- Institutional investors have increased their stake by 1.06% over the previous quarter and collectively hold 18.75% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
6
Market Beating performance in long term as well as near term
- Along with generating 29.36% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First US Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First US Bancshares, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
First US Bancshares, Inc.
29.36%
1.53
40.96%
S&P 500
22.24%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.03%
EBIT Growth (5y)
8.71%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
28.05%
Pledged Shares
0
Institutional Holding
18.75%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
1.03
EV to EBIT
6.81
EV to EBITDA
5.05
EV to Capital Employed
1.09
EV to Sales
0.67
PEG Ratio
NA
Dividend Yield
151.15%
ROCE (Latest)
15.95%
ROE (Latest)
5.67%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 14.66 MM
NET PROFIT(9M)
Higher at USD 6.01 MM
-2What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 19.14 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 81.21%
Here's what is working for First US Bancshares, Inc.
Operating Cash Flow
Highest at USD 14.66 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Higher at USD 6.01 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for First US Bancshares, Inc.
Cash and Eqv
Lowest at USD 19.14 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 81.21%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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