ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First US Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of -0.59%
2
Healthy long term growth as Net profit has grown by an annual rate of 10.36%
3
Flat results in Jun 25
- CASH AND EQV(HY) Lowest at USD 19.93 MM
- OPERATING PROFIT(Q) Lowest at USD 0.16 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 1.1 %
4
With ROA of 0.59%, it has a fair valuation with a 0.89 Price to Book Value
- Over the past year, while the stock has generated a return of 9.24%, its profits have fallen by -8%
5
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -2.77% over the previous quarter and collectively hold 19.99% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
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.
-1.57%
0.75
45.73%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.77%
EBIT Growth (5y)
2.03%
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
16.48%
Pledged Shares
0
Institutional Holding
19.99%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.89
EV to EBIT
9.79
EV to EBITDA
8.01
EV to Capital Employed
0.88
EV to Sales
1.43
PEG Ratio
NA
Dividend Yield
155.90%
ROCE (Latest)
9.04%
ROE (Latest)
7.74%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 9.48 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 273.44%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 88.3%
-20What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 19.93 MM
OPERATING PROFIT(Q)
Lowest at USD 0.16 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 1.1 %
PRE-TAX PROFIT(Q)
Lowest at USD 0.16 MM
NET PROFIT(Q)
Lowest at USD 0.15 MM
EPS(Q)
Lowest at USD 0.03
Here's what is working for First US Bancshares, Inc.
Non Performing Loans (%)
Lowest at 0.28%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 9.48 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 88.3%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 273.44%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for First US Bancshares, Inc.
Pre-Tax Profit
At USD 0.16 MM has Fallen at -93.64%
over average net sales of the previous four periods of USD 2.58 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 0.15 MM has Fallen at -92.09%
over average net sales of the previous four periods of USD 1.96 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Profit
Lowest at USD 0.16 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 1.1 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 0.16 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 0.15 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.03
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Cash and Eqv
Lowest at USD 19.93 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 10.7%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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