What is the 13F Pro Quality Score for FUSB?

13F Pro ranks FIRST US BANCSHARES, INC. (FUSB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FUSB's current score at https://13fpro.ai/research/FUSB (free sign-up required for the full ranking).

Where does 13F Pro source FUSB data?

All FIRST US BANCSHARES, INC. fundamentals and ownership data come directly from SEC EDGAR. FIRST US BANCSHARES, INC. files with the SEC under CIK 717806. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FUSB in?

FIRST US BANCSHARES, INC. (FUSB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is FUSB research updated on 13F Pro?

FUSB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FIRST US BANCSHARES, INC.(FUSB)Stock Analysis

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13F Pro Quality Score

49.8/100

Rank #1,495 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

28.4/100

Profitability

98.4/100

Balance Sheet

39.1/100

Earnings Quality

21.2/100

Free Cash Flow

98.9/100

Institutional Flow

48.0/100

Revenue Scale

0.7/100

Dilution Risk

4.2/100

FUSB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for FIRST US BANCSHARES, INC. (FUSB), a Financials sector company. 13F Pro's AI-powered ranking engine scores FUSB at 49.8/100 on a 32-signal composite quality model, placing it at rank #1,495 of 2,879 stocks — the bottom half of the AI-ranked universe. FUSB scores in the top quartile across free cash flow (98.9), profitability (98.4). Areas of concern include revenue scale (0.7) and earnings quality (21.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 4.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), FIRST US BANCSHARES, INC. reports quarterly revenue of $10.1M, net income of $1.9M, an operating margin of 24.5%. Top institutional holders of FUSB by reported 13-F value include GENDELL JEFFREY L, VANGUARD CAPITAL MANAGEMENT, RENAISSANCE TECHNOLOGIES, based on the most recent SEC filings. FUSB trades on the Nasdaq exchange and files with the SEC under CIK 717806. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FUSB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST US BANCSHARES, INC. directly from SEC EDGAR. FIRST US BANCSHARES, INC.'s 13F Pro composite quality score has ranged between 50 and 59 since 2024, currently 49.8 — a declining long-term trajectory across 16 quarterly and live scoring snapshots.

✦

Fun facts about FIRST US BANCSHARES, INC.

Quirks, history, and lore behind FUSB — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · small-cap · listed on Nasdaq · headquartered in Alabama.
2
The Numbers
Total assets in the range of $400–500 million — think neighborhood banking, not Wall Street skyscrapers. Net interest income is the whole ballgame.
3
The History
Rooted in small-town Alabama banking for decades, it has grown through a network of community bank branches serving customers that the big guys largely ignore.
4
The Secret
It operates a consumer finance subsidiary alongside its traditional banking arm — lending money the old-fashioned way to everyday borrowers across the Southeast.
5
The Lore
Its ticker is a dead giveaway if you speak banker alphabet — four letters that basically spell out its full corporate name in shorthand, starting with "FUS".
6
The Giveaway
The name says it all: it's the First bank holding company, it's US-focused, and "Bancshares" is right there in the title — headquartered in Oneonta, Alabama.

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Revenue

Q1 2026

$10.1M

Net Income

Q1 2026

$1.9M

Free Cash Flow

Q1 2026

$3.6M

Operating Margin

Q1 2026

24.5%

ROIC

Q1 2026

2.1%

D/E Ratio

Q1 2026

0.10

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-4.8% YoY

$1.1MFY 2025

FY20 $842.0KFY22 $1.2MFY23 $1.2MFY25 $1.1M

Net Income

-29.4% YoY

$6.0MFY 2025

FY20 $2.7MFY22 $6.9MFY23 $8.5MFY25 $6.0M

EPS (Diluted)

-24.8% YoY

$1.00FY 2025

FY20 $0.40FY22 $1.06FY23 $1.33FY25 $1.00

Total Assets

+7.6% YoY

$1.15BFY 2025

FY20 $890.5MFY22 $994.7MFY23 $1.07BFY25 $1.15B

Total Debt

-47.4% YoY

$10.9MFY 2025

FY20 $10.0MFY22 $30.8MFY23 $20.8MFY25 $10.9M

Op. Cash Flow

-5.7% YoY

$12.3MFY 2025

FY20 $6.1MFY22 $12.5MFY23 $13.1MFY25 $12.3M

Metric	FY 2025	FY 2023	FY 2022	FY 2020	FY 2019	FY 2018
Revenue	$1.1M -4.8%	$1.2M +3.7%	$1.2M +37.1%	$842.0K -0.4%	$845.0K +5.6%	$800.0K
Net Income	$6.0M -29.4%	$8.5M +23.6%	$6.9M +153.6%	$2.7M -40.7%	$4.6M +83.4%	$2.5M
EPS (Diluted)	$1.00 -24.8%	$1.33 +25.5%	$1.06 +165.0%	$0.40 -40.3%	$0.67 +81.1%	$0.37
Total Assets	$1.15B +7.6%	$1.07B +7.9%	$994.7M +11.7%	$890.5M +12.9%	$788.7M -0.4%	$791.9M
Total Debt	$10.9M -47.4%	$20.8M -32.4%	$30.8M +207.1%	$10.0M -0.1%	$10.0M +1802.3%	$527.0K
Operating Cash Flow	$12.3M -5.7%	$13.1M +4.3%	$12.5M +105.6%	$6.1M -46.1%	$11.3M +40.3%	$8.1M

AI Insight: FUSB Ratio Trends

FUSB's ROIC swung wildly from 1.4% in Q2 2025 to 89.8% in Q1 2026, signaling highly volatile earnings quality with limited margin visibility.

• ROIC collapsed from 56.5% in Q3 2024 to 1.4% in Q2 2025, then rebounded sharply to 89.8% in Q1 2026.

• ROA has been narrow and rangebound, moving between 0.1% in Q2 2025 and 0.8% in Q2–Q3 2024, with Q1 2026 at 0.7%.

• OpMargin and NPM data are available only for Q2 2025, at 59.0% and 55.8% respectively — too sparse to establish a trend.

⚠ ROA dipped to 0.1% in Q2 2025 — the lowest in the dataset — coinciding with the ROIC trough; watch for recurrence.

⚠ ROIC volatility (1.4% to 89.8% across consecutive quarters) suggests lumpy or one-off income items; earnings sustainability is unclear.

⚠ OpMargin and NPM gaps across most quarters make profitability trend analysis unreliable until more periods are reported.

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Available Research

13F Pro tracks comprehensive data for FIRST US BANCSHARES, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FUSB

GENDELL JEFFREY L
$6.1M397,454 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.4M93,651 sh
RENAISSANCE TECHNOLOGIES LLC
$1.3M82,321 sh
GEODE CAPITAL MANAGEMENT, LLC
$872.0K56,979 sh
REGIONS FINANCIAL CORP
$816.1K53,340 sh
Pinnacle Holdings, LLC
$808.9K52,872 sh
NORTHERN TRUST CORP
$712.1K46,543 sh
DIMENSIONAL FUND ADVISORS LP
$505.8K33,060 sh
VANGUARD FIDUCIARY TRUST CO
$472.2K30,862 sh
BlackRock, Inc.
$379.0K24,774 sh

Fund	Value	Shares
GENDELL JEFFREY L	$6.1M	397,454
VANGUARD CAPITAL MANAGEMENT LLC	$1.4M	93,651
RENAISSANCE TECHNOLOGIES LLC	$1.3M	82,321
GEODE CAPITAL MANAGEMENT, LLC	$872.0K	56,979
REGIONS FINANCIAL CORP	$816.1K	53,340
Pinnacle Holdings, LLC	$808.9K	52,872
NORTHERN TRUST CORP	$712.1K	46,543
DIMENSIONAL FUND ADVISORS LP	$505.8K	33,060
VANGUARD FIDUCIARY TRUST CO	$472.2K	30,862
BlackRock, Inc.	$379.0K	24,774

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Is FUSB a good stock to buy?

13F Pro's AI-powered analysis of FIRST US BANCSHARES, INC. (FUSB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FUSB are available on the FUSB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own FUSB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FUSB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST US BANCSHARES, INC.'s investment landscape.