FUSB First US Bancshares, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$16.50
· of 52w range
· above low
· to high
$12.1552w low
$16.9952w high
Market Cap (MRQ)
$91M
P/E (TTM)
12.5
EPS (TTM)
$1.32
Revenue (TTM)
$1M
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52W Range
$12–$17
Analyst Rating
·
Price Target
·
P/E
12.5
ROE
7.5%
Net Profit Margin
684.6%
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FUSB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$16.50
Market Cap (MRQ)
$91M
P/E (TTM)
12.5
EPS (TTM)
$1.32
Revenue (TTM)
$1M
Div Yield
1.7%
ROE (TTM)
7.5%
Debt/Equity (MRQ)
0.2
52W Range
$12–$17
FUSB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| July 23, 2003 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$1M2022-12-31 → 2025-12-31
EPS$1.002021-12-31 → 2025-12-31
Free Cash Flow$9M2021-12-31 → 2025-12-31
Net margin684.6%2021-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | FUSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 12.55Y avg ≈9.8 | ≈9.8 | 12.0 | Overvalued | |
| P/S (TTM) | 80.45Y avg ≈55.3 | ≈55.3 | 106.6 | Undervalued | |
| P/B (MRQ) | 0.95Y avg ≈0.7 | ≈0.7 | 0.9 | Fair value | |
| Price / FCF (TTM) | 10.45Y avg ≈7.8 | ≈7.8 | · | · | |
| Price / Cash Flow (TTM) | 7.95Y avg ≈6.1 | ≈6.1 | 9.2 | Undervalued | |
| EV / Revenue | 18.05Y avg ≈21.0 | ≈21.0 | · | · | |
| EV / FCF | 2.35Y avg ≈3.0 | ≈3.0 | · | · | |
| Price / Tangible Book | 1.05Y avg ≈0.7 | ≈0.7 | · | · | |
| PEG Ratio | ≈0.6 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | FUSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin (TTM) | 894.4%5Y avg ≈633.2% | ≈633.2% | 420.8% | Top tier | |
| Net Profit Margin (TTM) | 684.6%5Y avg ≈478.7% | ≈478.7% | 331.2% | Top tier | |
| ROA (TTM) | 0.68%5Y avg ≈0.70% | ≈0.70% | 0.75% | Weak | |
| ROE (TTM) | 7.5%5Y avg ≈7.9% | ≈7.9% | 7.0% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | FUSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.25Y avg ≈0.1 | ≈0.1 | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | FUSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -7.5%5Y avg ≈-0.27% | ≈-0.27% | · | · | |
| Revenue CAGR 3Y | -0.41% | · | · | · | |
| EPS YoY | -24.8%5Y avg ≈15.3% | ≈15.3% | · | · | |
| Net Income YoY | -26.7%5Y avg ≈11.9% | ≈11.9% | · | · | |
| EPS CAGR 3Y | -1.9%5Y avg ≈24.5% | ≈24.5% | · | · | |
| EPS CAGR 5Y | 20.1% | · | · | · | |
| Net Income CAGR 3Y | -4.4%5Y avg ≈21.5% | ≈21.5% | · | · | |
| Net Income CAGR 5Y | 17.2% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | FUSB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$7.5K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.7%
Payout Ratio26.8%
Annualized Payout≈$0.28
5Y Div CAGR≈18.5%
Growth Streak≈3
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 11, 2026 | $0.07 | USD | ≈1.6% |
| Jun 12, 2026 | $0.07 | USD | ≈1.7% |
| Mar 13, 2026 | $0.07 | USD | ≈1.9% |
| Dec 12, 2025 | $0.07 | USD | ≈2.0% |
| Sep 12, 2025 | $0.07 | USD | ≈2.3% |
| Jun 13, 2025 | $0.07 | USD | ≈2.1% |
| Mar 14, 2025 | $0.07 | USD | ≈1.8% |
| Dec 13, 2024 | $0.07 | USD | ≈1.6% |
| Sep 13, 2024 | $0.05 | USD | ≈1.8% |
| Jun 7, 2024 | $0.05 | USD | ≈1.9% |
| Mar 7, 2024 | $0.05 | USD | ≈2.0% |
| Dec 7, 2023 | $0.05 | USD | ≈2.1% |
| Sep 7, 2023 | $0.05 | USD | ≈2.6% |
| Jun 8, 2023 | $0.05 | USD | ≈2.9% |
| Mar 9, 2023 | $0.05 | USD | ≈1.6% |
| Dec 8, 2022 | $0.05 | USD | ≈1.6% |
| Sep 8, 2022 | $0.03 | USD | ≈1.3% |
| Jun 9, 2022 | $0.03 | USD | ≈1.1% |
| Mar 9, 2022 | $0.03 | USD | ≈1.1% |
| Dec 9, 2021 | $0.03 | USD | ≈1.1% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 27, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 28, 2026 | $0.31 | — | — |
| March 31, 2026 | $0.33 | — | — | |
| March 31, 2024 | $0.34 | — | — | |
| March 31, 2023 | $0.33 | — | — | |
| Dec. 31, 2022 | $0.35 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1M | $1M | $1M | $1M | · | · | · | $800.0K | |
| Cost of Revenue | · | · | · | $323.0K | $322.0K | $325.0K | $310.0K | $492.0K | |
| Operating Expenses | $6M | $5M | $5M | $4M | $6M | $6M | $6M | $6M | |
| Interest Expense | $22M | $22M | $15M | $4M | $3M | $5M | $7M | $4M | |
| Interest Income | $59M | $58M | $53M | $41M | $40M | $40M | $44M | $37M | |
| Pretax Income | $8M | $11M | $11M | $9M | $6M | $4M | $6M | $3M | |
| Income Tax | $2M | $3M | $3M | $2M | $1M | $825.0K | $1M | $901.0K | |
| Net Income | $6M | $8M | $8M | $7M | $4M | $3M | $5M | $2M | |
| EPS (Basic) | $1.03 | $1.40 | $1.42 | $1.13 | $0.70 | $0.43 | $0.71 | $0.40 | |
| EPS (Diluted) | $1.00 | $1.33 | $1.33 | $1.06 | $0.66 | $0.40 | $0.67 | $0.37 | |
| Shares (Basic) | 5,821,772 | 5,850,122 | 5,964,559 | 6,084,058 | 6,319,357 | 6,281,467 | 6,386,946 | 6,276,670 | |
| Shares (Diluted) | 6,002,972 | 6,118,372 | 6,376,459 | 6,503,708 | 6,739,607 | 6,702,467 | 6,799,746 | 6,654,621 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $74M | $47M | $50M | $30M | $61M | $94M | $57M | $50M | |
| PP&E (Net) | $26M | $25M | $24M | $24M | $25M | $28M | $29M | $28M | |
| PP&E (Gross) | $51M | $48M | $46M | $46M | $47M | $52M | $52M | $48M | |
| Accum. Depreciation | $24M | $23M | $22M | $22M | $22M | $24M | $23M | $21M | |
| Goodwill | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | |
| Intangibles | $0 | $49.0K | $171.0K | $366.0K | $634.0K | $975.0K | $1M | $2M | |
| Total Assets | $1.15B | $1.10B | $1.07B | $995M | $958M | $891M | $789M | $792M | |
| Short-term Debt | $0 | $10M | $10M | $20M | $10M | $10M | $10M | $527.0K | |
| Total Liabilities | $1.05B | $1.00B | $982M | $910M | $868M | $804M | $704M | $713M | |
| Long-term Debt | $11M | $11M | $11M | $11M | $11M | · | · | · | |
| Total Debt | $0 | $10M | $10M | $20M | $10M | $10M | $10M | $527.0K | |
| Common Stock | $79.0K | $78.0K | $75.0K | $75.0K | $75.0K | $75.0K | $75.0K | $75.0K | |
| Retained Earnings | $121M | $117M | $110M | $104M | $98M | $95M | $93M | $89M | |
| Treasury Stock | $31M | $30M | $28M | $27M | $22M | $22M | $22M | $20M | |
| AOCI | $-780.0K | $-4M | $-6M | $-7M | $-276.0K | $-52.0K | $-46.0K | $-2M | |
| Stockholders' Equity | $106M | $99M | $91M | $85M | $90M | $87M | $85M | $79M | |
| Liabilities + Equity | $1.15B | $1.10B | $1.07B | $995M | $958M | $891M | $789M | $792M | |
| Shares Outstanding | 5,699,696 | 5,696,171 | 5,735,075 | 5,812,258 | 6,172,378 | 6,176,556 | 6,157,692 | 6,298,062 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2 | $2M | $2M | $2M | $2M | $1M | |
| Stock-based Comp | $744.0K | $617.0K | $596.0K | $485.0K | $436.0K | $421.0K | $360.0K | $444.0K | |
| Deferred Tax | $50.0K | $583.0K | $133.0K | $-367.0K | $-401.0K | $720.0K | $1M | $1M | |
| Amort. of Intangibles | $49.0K | $122.0K | $195.0K | $268.0K | $341.0K | $415.0K | $487.0K | $171.0K | |
| Operating Cash Flow | $12M | $8M | $13M | $13M | $10M | $6M | $11M | $8M | |
| CapEx | $3M | $2M | $1M | $1M | $822.0K | $955.0K | $3M | $2M | |
| Investing Cash Flow | $-28M | $-30M | $-60M | $-80M | $-108M | $-66M | $10M | $3M | |
| Debt Issued | · | · | · | · | $11M | · | · | · | |
| Net Debt Issued | · | · | · | · | $11M | · | · | · | |
| Stock Repurchased | $2M | $2M | $1M | $4M | $525.0K | $452.0K | $1M | · | |
| Net Stock Activity | $-2M | $-2M | $-1M | $-4M | $-525.0K | $-452.0K | $-1M | · | |
| Dividends Paid | $2M | $1M | $1M | $832.0K | $745.0K | $740.0K | $562.0K | $495.0K | |
| Financing Cash Flow | $42M | $20M | $68M | $37M | $65M | $97M | $-14M | $12M | |
| Net Change in Cash | $26M | $-3M | $20M | $-31M | $-33M | $37M | $7M | $22M | |
| Taxes Paid | $2M | $3M | $2M | $3M | $1M | $186.0K | $131.0K | $134.0K | |
| Free Cash Flow | $9M | $6M | $12M | $11M | $9M | $5M | $8M | $7M | |
| Levered FCF | $-7M | $-11M | $-32.5K | $8M | $7M | $2M | $3M | $3M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 525.6% | 663.1% | 708.9% | 17.0% | 11.0% | 6.6% | 10.8% | 6.5% | |
| Pretax Margin | 696.1% | 872.9% | 941.6% | 22.3% | 14.1% | 8.7% | 13.7% | 8.8% | |
| ROA | 0.53% | 0.75% | 0.82% | 0.70% | 0.46% | 0.31% | 0.59% | 0.31% | |
| ROE | 5.8% | 8.3% | 9.5% | 8.2% | 5.0% | 3.1% | 5.4% | 3.2% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.0 | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.0 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $18.54 | $17.31 | $15.80 | $14.65 | $14.59 | $14.03 | $13.76 | $12.61 | |
| Revenue / Share | $0.19 | $0.20 | $0.19 | $6.21 | $6.01 | $6.08 | $6.22 | $5.76 | |
| Cash Flow / Share | $2.05 | $1.27 | $2.05 | $1.93 | $1.46 | $0.91 | $1.66 | $1.21 | |
| Cash / Share | $12.90 | $8.29 | $8.77 | $5.19 | $9.92 | $15.29 | $9.26 | $7.88 | |
| Dividend / Share | $0.28 | $0.22 | $0.20 | $0.14 | $0.12 | $0.12 | $0.09 | $0.08 | |
| EPS (TTM) | $1.00 | $1.33 | $1.33 | $1.06 | $0.66 | $0.40 | $0.67 | $0.37 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -7.5% | 2.9% | 3.7% | · | · | · | · | · | |
| Revenue CAGR 3Y | -0.41% | · | · | · | · | · | · | · | |
| EPS YoY | -24.8% | 0.00% | 25.5% | 60.6% | 65.0% | · | · | · | |
| EPS CAGR 3Y | -1.9% | 26.3% | 49.3% | · | · | · | · | · | |
| EPS CAGR 5Y | 20.1% | · | · | · | · | · | · | · | |
| Net Income YoY | -26.7% | -3.7% | 23.6% | 54.2% | 64.4% | · | · | · | |
| Net Income CAGR 3Y | -4.4% | 22.4% | 46.4% | · | · | · | · | · | |
| Net Income CAGR 5Y | 17.2% | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 16.8% | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $1M | $1M | $1M | $1M | · | · | · | $800.0K | |
| Net Income TTM | $6M | $8M | $8M | $7M | $4M | $3M | $5M | $2M | |
| Market Cap | $80M | $72M | $59M | $50M | $65M | $56M | $71M | $50M | |
| Enterprise Value | $6M | $34M | $19M | $40M | $14M | $-29M | $24M | $997.6K | |
| P/E | 14.0 | 9.5 | 7.8 | 8.2 | 16.0 | 22.6 | 17.3 | 21.5 | |
| P/S | 69.8 | 58.2 | 49.4 | 43.7 | · | · | · | 62.6 | |
| P/B | 0.8 | 0.7 | 0.7 | 0.6 | 0.7 | 0.6 | 0.8 | 0.6 | |
| P / Tangible Book | 0.8 | 0.8 | 0.7 | 0.7 | 0.8 | 0.7 | · | · | |
| P / Cash Flow | 6.5 | 9.2 | 4.5 | 4.0 | 6.6 | 9.1 | 6.3 | 6.2 | |
| P / FCF | 8.8 | 12.7 | 5.1 | 4.5 | 7.2 | 10.8 | 8.8 | 7.7 | |
| EV / FCF | 0.7 | 6.1 | 1.6 | 3.6 | 1.6 | -5.6 | 3.0 | 0.2 | |
| EV / Revenue | 5.3 | 28.0 | 15.7 | 35.0 | · | · | · | 1.2 | |
| Dividend Yield | 2.0% | 1.8% | 2.0% | 1.7% | 1.1% | 1.3% | 0.79% | 0.99% | |
| Earnings Yield | 7.2% | 10.6% | 12.9% | 12.2% | 6.2% | 4.4% | 5.8% | 4.7% | |
| Payout Ratio | 26.8% | 15.5% | 13.9% | 12.1% | 16.7% | 27.3% | 12.3% | 19.9% | |
| Annual Payout | $2M | $1M | $1M | $832.0K | $745.0K | $740.0K | $562.0K | $495.0K |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $277.0K | $283.0K | $285.0K | $289.0K | $278.0K | $288.0K | $323.0K | $312.0K | $298.0K | $299.0K | $328.0K | $302.0K | $282.0K | $285.0K | $250.0K | $311.0K | |
| Cost of Revenue | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $68.0K | |
| Operating Expenses | $2M | $1M | $1M | $2M | $1M | $1M | $1M | $1M | $1M | $990.0K | $2M | $1M | $1M | $1M | $1M | $1M | |
| Interest Expense | $5M | $6M | $6M | $6M | $5M | $5M | $6M | $6M | $5M | $5M | $5M | $4M | $4M | $3M | $2M | $1M | |
| Interest Income | $15M | $15M | $15M | $15M | $15M | $14M | $14M | $15M | $15M | $14M | $14M | $14M | $13M | $12M | $12M | $11M | |
| Pretax Income | $2M | $2M | $3M | $3M | $164.0K | $2M | $2M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | |
| Income Tax | $483.0K | $515.0K | $798.0K | $583.0K | $9.0K | $554.0K | $599.0K | $722.0K | $612.0K | $651.0K | $782.0K | $704.0K | $648.0K | $652.0K | $708.0K | $546.0K | |
| Net Income | $2M | $2M | $2M | $2M | $155.0K | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| EPS (Basic) | $0.31 | $0.34 | $0.37 | $0.33 | $0.03 | $0.30 | $0.30 | $0.38 | $0.36 | $0.36 | $0.38 | $0.35 | $0.34 | $0.35 | $0.37 | $0.31 | |
| EPS (Diluted) | $0.31 | $0.33 | $0.36 | $0.32 | $0.03 | $0.29 | $0.29 | $0.36 | $0.34 | $0.34 | $0.36 | $0.33 | $0.31 | $0.33 | $0.35 | $0.29 | |
| Shares (Basic) | 5,639,879 | 5,734,608 | · | 5,838,379 | 5,823,988 | 5,817,458 | · | 5,839,279 | 5,880,707 | 5,874,481 | · | 5,984,562 | 5,982,847 | 5,954,345 | · | 5,951,266 | |
| Shares (Diluted) | 5,758,279 | 5,880,208 | · | 6,068,379 | 6,054,988 | 6,059,458 | · | 6,156,879 | 6,208,407 | 6,277,131 | · | 6,404,212 | 6,402,497 | 6,373,995 | · | 6,370,916 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $59M | $67M | $74M | $55M | $54M | $56M | $47M | $82M | $58M | $60M | $50M | $66M | $75M | $68M | $30M | $37M | |
| PP&E (Net) | $27M | $26M | $26M | $26M | $26M | $25M | $25M | $25M | $25M | $25M | $24M | $24M | $24M | $24M | $24M | $24M | |
| PP&E (Gross) | · | · | $51M | · | · | · | $48M | · | · | · | $46M | · | · | · | $46M | · | |
| Accum. Depreciation | · | · | $24M | · | · | · | $23M | · | · | · | $22M | · | · | · | $22M | $21M | |
| Goodwill | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | |
| Intangibles | · | · | $0 | $0 | $12.0K | $30.0K | $49.0K | $67.0K | $97.0K | $134.0K | $171.0K | $207.0K | $256.0K | $311.0K | $366.0K | $421.0K | |
| Total Assets | $1.15B | $1.17B | $1.15B | $1.15B | $1.14B | $1.13B | $1.10B | $1.10B | $1.08B | $1.07B | $1.07B | $1.07B | $1.07B | $1.03B | $995M | $989M | |
| Short-term Debt | $25M | · | $0 | $20M | $35M | $45M | $10M | · | $15M | $15M | $10M | $30M | $30M | $25M | $20M | $40M | |
| Total Liabilities | $1.04B | $1.06B | $1.05B | $1.04B | $1.04B | $1.03B | $1.00B | $1.00B | $989M | $978M | $982M | $978M | $982M | $942M | $910M | $906M | |
| Long-term Debt | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | |
| Total Debt | $25M | · | · | $20M | $35M | $45M | · | · | $15M | $15M | · | $30M | $30M | $25M | · | $40M | |
| Common Stock | $80.0K | $80.0K | $79.0K | $79.0K | $79.0K | $79.0K | $78.0K | $78.0K | $78.0K | $75.0K | $75.0K | $75.0K | $75.0K | $75.0K | $75.0K | $75.0K | |
| Retained Earnings | $124M | $123M | $121M | $120M | $118M | $118M | $117M | $116M | $114M | $112M | $110M | $108M | $106M | $104M | $104M | $103M | |
| Treasury Stock | $35M | $33M | $31M | $30M | $30M | $30M | $30M | $29M | $29M | $28M | $28M | $27M | $27M | $27M | $27M | $27M | |
| AOCI | $-2M | $-1M | $-780.0K | $-1M | $-2M | $-3M | $-4M | $-3M | $-6M | $-7M | $-6M | $-9M | $-9M | $-8M | $-7M | $-7M | |
| Stockholders' Equity | $104M | $105M | $106M | $104M | $102M | $101M | $99M | $98M | $94M | $92M | $91M | $87M | $86M | $85M | $85M | $83M | |
| Liabilities + Equity | $1.15B | $1.17B | $1.15B | $1.15B | $1.14B | $1.13B | $1.10B | $1.10B | $1.08B | $1.07B | $1.07B | $1.07B | $1.07B | $1.03B | $995M | $989M | |
| Shares Outstanding | 5,523,209 | 5,604,123 | 5,699,696 | 5,765,137 | 5,755,064 | 5,739,286 | 5,696,171 | 5,715,388 | 5,744,254 | 5,787,441 | 5,735,075 | 5,874,781 | 5,874,765 | 5,866,866 | 5,812,258 | 5,812,258 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | · | · | · | · | · | · | · | · | · | · | · | · | $393.0K | $412.0K | $399.0K | $422.0K | |
| Stock-based Comp | $200.0K | $189.0K | $178.0K | $185.0K | $209.0K | $172.0K | $149.0K | $149.0K | $162.0K | $157.0K | $148.0K | $149.0K | $146.0K | $153.0K | $124.0K | $123.0K | |
| Deferred Tax | $-55.0K | $336.0K | $-101.0K | $32.0K | $-429.0K | $548.0K | $-53.0K | $125.0K | $116.0K | $395.0K | $699.0K | $-104.0K | $-35.0K | $-427.0K | $-58.0K | $-474.0K | |
| Amort. of Intangibles | $0 | $0 | $0 | $12.0K | $18.0K | $19.0K | $18.0K | $30.0K | $37.0K | $37.0K | $36.0K | $49.0K | $55.0K | $55.0K | $55.0K | $67.0K | |
| Operating Cash Flow | $697.0K | $4M | $2M | $4M | $4M | $2M | $2M | $2M | $3M | $825.0K | $2M | $4M | $3M | $4M | $3M | $4M | |
| CapEx | $1M | $474.0K | $296.0K | $624.0K | $2M | $70.0K | $270.0K | $664.0K | $199.0K | $967.0K | $485.0K | $737.0K | $49.0K | $139.0K | $590.0K | $331.0K | |
| Investing Cash Flow | $9M | $-19M | $12M | $-4M | $-21M | $-16M | $-38M | $11M | $-15M | $11M | $-19M | $-7M | $-37M | $2M | $-13M | $-33M | |
| Stock Repurchased | $1M | $2M | $1M | $0 | $0 | $535.0K | $507.0K | $319.0K | $817.0K | $0 | · | · | · | · | $0 | $653.0K | |
| Net Stock Activity | · | $-2M | · | · | · | $-535.0K | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid | $386.0K | $395.0K | $400.0K | $404.0K | $403.0K | $401.0K | $400.0K | $286.0K | $289.0K | $289.0K | $294.0K | $294.0K | $293.0K | $294.0K | $291.0K | $175.0K | |
| Financing Cash Flow | $-18M | $8M | $4M | $193.0K | $15M | $23M | $543.0K | $11M | $10M | $-2M | $1M | $-6M | $39M | $33M | $3M | $31M | |
| Net Change in Cash | $-8M | $-7M | $19M | $735.0K | $-2M | $9M | $-35M | $24M | $-2M | $10M | $-16M | $-9M | $6M | $38M | $-7M | $3M | |
| Taxes Paid | $647.0K | $893.0K | $378.0K | $700.0K | $40.0K | $418.0K | $247.0K | $379.0K | $1M | $765.0K | $1.0K | $550.0K | $804.0K | $1M | $1M | $493.0K | |
| Free Cash Flow | · | $4M | · | · | · | $2M | · | · | · | $-142.0K | · | · | · | $3M | · | · | |
| Levered FCF | · | $-897.5K | · | · | · | $-2M | · | · | · | $-4M | · | · | · | $2M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 632.9% | 687.3% | · | 669.9% | 55.8% | 615.3% | · | 712.2% | 713.8% | 704.7% | · | 699.7% | 717.4% | 727.0% | · | 598.1% | |
| Pretax Margin | 807.2% | 869.3% | · | 871.6% | 59.0% | 807.6% | · | 943.6% | 919.1% | 922.4% | · | 932.8% | 947.2% | 955.8% | · | 773.6% | |
| ROA | 0.15% | 0.17% | · | 0.17% | 0.01% | 0.16% | · | 0.21% | 0.20% | 0.20% | · | 0.21% | 0.20% | 0.21% | · | 0.19% | |
| ROE | 1.7% | 1.9% | · | 1.9% | 0.16% | 1.8% | · | 2.4% | 2.4% | 2.4% | · | 2.5% | 2.4% | 2.4% | · | 2.1% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.2 | · | · | 0.2 | 0.3 | 0.4 | · | · | 0.2 | 0.2 | · | 0.3 | 0.3 | 0.3 | · | 0.5 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $18.88 | $18.67 | · | $18.08 | $17.70 | $17.64 | · | $17.23 | $16.34 | $15.95 | · | $14.88 | $14.59 | $14.45 | · | $14.30 | |
| Revenue / Share | $0.05 | $0.05 | · | $0.05 | $0.05 | $0.05 | · | $0.05 | $0.05 | $0.05 | · | $0.05 | $0.04 | $0.04 | · | $0.05 | |
| Cash Flow / Share | · | $0.70 | · | · | · | $0.29 | · | · | · | $0.13 | · | · | · | $0.56 | · | · | |
| Cash / Share | $10.67 | $11.88 | · | $9.49 | $9.38 | $9.76 | · | $14.40 | $10.14 | $10.41 | · | $11.26 | $12.71 | $11.66 | · | $6.33 | |
| Dividend / Share | $0.07 | $0.07 | $0.07 | $0.07 | $0.07 | $0.07 | $0.07 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.03 | |
| EPS (TTM) | $1.32 | $1.04 | · | $0.93 | $0.97 | $1.28 | · | $1.40 | $1.37 | $1.34 | · | $1.32 | $1.28 | $1.19 | · | $0.96 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $1M | $1M | · | $1M | $1M | $1M | · | $1M | $1M | $1M | · | $1M | $1M | $1M | · | · | |
| Net Income TTM | $8M | $6M | · | $6M | $6M | $8M | · | $9M | $9M | $9M | · | $8M | $8M | $8M | · | $6M | |
| Market Cap | $91M | $86M | · | $69M | $74M | $77M | · | $63M | $53M | $54M | · | $50M | $50M | $44M | · | $46M | |
| Enterprise Value | $57M | · | · | $35M | $55M | $66M | · | · | $10M | $8M | · | $14M | $6M | $457.2K | · | $50M | |
| P/E | 12.5 | 14.7 | · | 12.9 | 13.3 | 10.4 | · | 7.9 | 6.8 | 6.9 | · | 6.5 | 6.7 | 6.3 | · | 8.3 | |
| P/S | 80.6 | 75.5 | · | 58.8 | 61.8 | 62.8 | · | 51.1 | 43.3 | 44.3 | · | 44.9 | 44.5 | 38.5 | · | · | |
| P/B | 0.9 | 0.8 | · | 0.7 | 0.7 | 0.8 | · | 0.6 | 0.6 | 0.6 | · | 0.6 | 0.6 | 0.5 | · | 0.6 | |
| P / Tangible Book | 0.9 | 0.9 | · | 0.7 | 0.8 | 0.8 | · | 0.7 | 0.6 | 0.6 | · | 0.6 | 0.6 | 0.6 | · | 0.6 | |
| P / Cash Flow | · | 20.9 | · | · | · | 43.7 | · | · | · | 65.0 | · | · | · | 12.2 | · | · | |
| EV / Revenue | 50.7 | · | · | 29.4 | 46.0 | 53.8 | · | · | 8.1 | 6.9 | · | 12.6 | 4.9 | 0.4 | · | · | |
| Dividend Yield | 1.7% | 1.9% | · | 2.3% | 2.0% | 1.8% | · | 1.8% | 2.2% | 2.2% | · | 2.3% | 2.1% | 2.1% | · | 1.6% | |
| Earnings Yield | 8.0% | 6.8% | · | 7.7% | 7.5% | 9.6% | · | 12.7% | 14.8% | 14.5% | · | 15.4% | 15.0% | 15.9% | · | 12.1% | |
| Payout Ratio | · | 20.3% | · | · | · | 22.6% | · | · | · | 13.7% | · | · | · | 14.2% | · | · | |
| Annual Payout | $2M | $2M | · | $2M | $1M | $1M | · | $1M | $1M | $1M | · | $1M | $1M | $941.0K | · | $727.0K |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2022-06-30 |
|---|---|---|---|---|---|
| Revenue | $1M | $1M | $1M | $1M | · |
| Net Income | $6M | $8M | $8M | $7M | · |
| Diluted EPS | $1.00 | $1.33 | $1.33 | $1.06 | · |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2022-06-30 |
|---|---|---|---|---|---|
| Debt / Equity | 0.0 | 0.1 | 0.1 | 0.2 | · |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2022-06-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $9M | $6M | $12M | $11M | · |
Institutional owners (13F) 29 filers · $17.4M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
29
Value held
$17.4M
New positions
3
Exited positions
3
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 3 (0 vs prior Q) | 3 (+3 vs prior Q) | 7 (-2 vs prior Q) | 7 (0 vs prior Q) | +9K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| GENDELL JEFFREY L | $6,577,864 | 397,454 | 37.86% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $1,757,345 | 106,184 | 10.12% | Shares |
| VANGUARD GROUP INC | $1,535,065 | 109,883 | 8.84% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,312,763 | 79,321 | 7.56% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $970,695 | 58,636 | 5.59% | Shares |
| REGIONS FINANCIAL CORP | $823,627 | 49,766 | 4.74% | Shares |
| NORTHERN TRUST CORP | $567,334 | 34,280 | 3.27% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $547,143 | 33,060 | 3.15% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $514,275 | 31,074 | 2.96% | Shares |
| BlackRock, Inc. | $486,140 | 29,374 | 2.80% | Shares |
| BLAIR WILLIAM & CO/IL | $314,450 | 19,000 | 1.81% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $285,620 | 17,258 | 1.64% | Shares |
| CITADEL ADVISORS LLC | $271,221 | 16,388 | 1.56% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $256,194 | 15,480 | 1.47% | Shares |
| Aptus Capital Advisors, LLC | $246,131 | 14,809 | 1.42% | Shares |
| Daytona Street Capital LLC | $204,732 | 12,100 | 1.18% | Shares |
| Diversified Enterprises, LLC | $190,209 | 11,493 | 1.09% | Shares |
| BANK OF AMERICA CORP /DE/ | $186,138 | 11,247 | 1.07% | Shares |
| Empowered Funds, LLC | $178,575 | 10,790 | 1.03% | Shares |
| EverSource Wealth Advisors, LLC | $82,187 | 4,966 | 0.47% | Shares |
| Vanguard Global Advisers, LLC | $43,444 | 2,625 | 0.25% | Shares |
| ROYAL BANK OF CANADA | $17,000 | 1,000 | 0.10% | Shares |
| Tower Research Capital LLC (TRC) | $3,260 | 197 | 0.02% | Shares |
| PRICE T ROWE ASSOCIATES INC /MD/ | $427 | 25,753 | 0.00% | Shares |
| BARCLAYS PLC | $132 | 8 | 0.00% | Shares |
| MORGAN STANLEY | $125 | 7 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $121 | 7,359 | 0.00% | Shares |
| WELLS FARGO & COMPANY/MN | $11 | 1 | 0.00% | Shares |
| FNY Investment Advisers, LLC | $0 | 30 | 0.00% | Shares |
Activists & 5%+ owners 3 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Anderson CBP LLC, Charles C. Anderson, Harold M. Anderson, Terrence Anderson | Aug. 28, 2026 | 2.60% | Amendment | · | SEC |
| ANDERSON CHARLES C, Harold M. Anderson, Terrence Anderson, Anderson CBP LLC | April 21, 2025 | 3.30% | Amendment | Passive investment | SEC |
| Charles C. Anderson, Harold M. Anderson, Terrence Anderson, Anderson CBP LLC | Jan. 5, 2024 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 39 insiders · 15 officers · 25 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| James F House | Chairman, President & CEO | Feb. 9, 2026 A | 151,228 | 1 | 0 | $16,612 |
| Terry R Phillips | President & CEO | Aug. 31, 2010 P | 7,224 | 0 | 0 | $0 |
| Thomas S Elley | SEVP,CFO,Trea,Ast Sec-FUSB | July 8, 2026 M | 38,156 | 0 | 0 | $0 |
| Beverly J Dozier | SVP,Secr,Ast Trs-FUSB;SVP-Bank | July 8, 2026 M | 8,752 | 0 | 0 | $0 |
| Eric H Mabowitz | SEVP, CRO, CCO, & CRA Officer | July 8, 2026 M | 20,957 | 0 | 0 | $0 |
| William C Mitchell | SEVP-Consumer Lending-Bank | June 29, 2026 M | 27,312 | 0 | 0 | $0 |
| Matthew A. Parker | SVP, Corp Controller & PAO | June 26, 2026 M | 3,051 | 0 | 0 | $0 |
| Anthony Cashio | EVP,Chief Credit Officer-Bank | Feb. 27, 2019 A | 4,379 | 0 | 0 | $0 |
| Phillip Wheat | SVP,CIO/Info Sec Off - FUSB | Feb. 23, 2015 A | · | 0 | 0 | $0 |
| David L Saylors | EVP, HR Director - FUSB | Feb. 23, 2015 A | · | 0 | 0 | $0 |
| Donald P Maughan II | EVP,Comm Div, Sr Lender-FUSB | Feb. 23, 2015 A | · | 0 | 0 | $0 |
| Daniel J Matheson III | Investment Officer; SVP-FUSB | Feb. 23, 2015 A | 13,511 | 0 | 0 | $0 |
| William D Morgan | EVP/First United Security Bank | Aug. 11, 2009 S | 9,853 | 0 | 0 | $0 |
| Larry M Sellers | VP, SECRETARY | Aug. 7, 2009 S | 0 | 0 | 0 | $0 |
| Robert Steen | AVP & ASST TREASURER | May 1, 2006 P | 7,271 | 0 | 0 | $0 |
| Stephen Nathaniel Gordon | Director | Sept. 30, 2026 A | 2,700 | 1 | 0 | $13,800 |
| Robert C Field | Director | Sept. 30, 2026 A | 14,181 | 13 | 0 | $211,516 |
| David Peter Hale | Director | Sept. 30, 2026 A | 22,424 | 0 | 0 | $0 |
| Aubrey S Miller | Director | Sept. 30, 2026 A | 14,291 | 0 | 0 | $0 |
| John Lee Mcphearson | Director | Sept. 30, 2026 A | 3,000 | 1 | 1 | $0 |
| Bruce N Wilson | Director | Sept. 30, 2026 A | 15,193 | 0 | 0 | $0 |
| Jack W Meigs | Director | Sept. 30, 2026 A | 7,891 | 0 | 0 | $0 |
| Robert S Briggs | Director | Sept. 30, 2026 A | 63,593 | 2 | 0 | $133,750 |
| Tracy E Thompson | Director | Feb. 9, 2026 A | 109,541 | 0 | 0 | $0 |
| Marlene M Mccain | Director | Feb. 9, 2026 A | 5,507 | 0 | 0 | $0 |
| John C Gordon | Director | Jan. 30, 2025 M | 159,693 | 0 | 0 | $0 |
| Sheri S Cook | Director | March 28, 2024 A | 9,267 | 0 | 0 | $0 |
| Donna D Smith | Director | Feb. 9, 2024 A | 11,267 | 0 | 0 | $0 |
| Andrew C Bearden JR | Director | March 31, 2022 A | 10,230 | 0 | 0 | $0 |
| William G Harrison | Director | March 31, 2021 A | 57,369 | 0 | 0 | $0 |
| Howard M Whitted | Director | March 31, 2020 A | 2,833 | 0 | 0 | $0 |
| Linda H Breedlove | Director | March 29, 2019 A | 7,931 | 0 | 0 | $0 |
| Alonzo A J J Strickland | Director | March 31, 2017 A | 1,167 | 0 | 0 | $0 |
| Gerald P Corgill | Director | March 31, 2017 A | 40,333 | 0 | 0 | $0 |
| Hardie B Kimbrough | Director | June 28, 2013 A | 31,566 | 0 | 0 | $0 |
| Dan R Barlow | Director | March 30, 2012 A | 16,434 | 0 | 0 | $0 |
| Wayne C Curtis | Director | Dec. 30, 2011 A | 1,963 | 0 | 0 | $0 |
| Ray Sheffield | Director | May 1, 2006 P | 63,200 | 0 | 0 | $0 |
| Staci Pierce | · | Aug. 7, 2026 P | 10,850 | 10 | 0 | $53,966 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 9 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.02% | 16,359 SH | Sept. 11, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 614 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 714 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 2,977 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 58,042 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 41,470 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.00% | 230 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 244 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
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Source: SEC 10-Q filed Aug 6, 2026