First Bancshares Financials
FUSB Stock | USD 13.85 0.40 2.97% |
Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Debt Equity Ratio | 0.25 | 0.26 |
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Current Ratio | 0.49 | 0.52 |
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The financial analysis of First Bancshares is a critical element in measuring its lifeblood. Investors should not minimize First Bancshares' ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.
Net Income |
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First | Select Account or Indicator |
Understanding current and past First Bancshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Bancshares' financial statements are interrelated, with each one affecting the others. For example, an increase in First Bancshares' assets may result in an increase in income on the income statement.
Please note, the presentation of First Bancshares' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, First Bancshares' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of First Bancshares' management manipulating its earnings.
First Bancshares Stock Summary
First Bancshares competes with Magyar Bancorp, Alpine Banks, Sound Financial, Absa Group, and First Bancorp. First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services. First US Bancshares, Inc. was founded in 1952 and is headquartered in Birmingham, Alabama. First US operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 175 people.Specialization | Financial Services, Banks - Regional |
Instrument | USA Stock View All |
Exchange | NASDAQ Exchange |
ISIN | US33744V1035 |
CUSIP | 33744V103 911459105 |
Location | Alabama; U.S.A |
Business Address | 3291 Highway 280, |
Sector | Banks |
Industry | Financials |
Benchmark | Dow Jones Industrial |
Website | www.fusb.com |
Phone | 205 582 1200 |
Currency | USD - US Dollar |
First Bancshares Key Financial Ratios
Return On Equity | 0.0864 | ||||
Profit Margin | 0.21 % | ||||
Operating Margin | 0.25 % | ||||
Price To Sales | 1.96 X | ||||
Revenue | 40.71 M |
First Bancshares Key Balance Sheet Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Total Assets | 890.5M | 958.3M | 994.7M | 1.1B | 1.2B | 684.9M | |
Other Current Liab | (10.3M) | (10.3M) | (20.6M) | 327.7M | 294.9M | 309.6M | |
Net Debt | (84.4M) | (40.5M) | 612K | (29.5M) | (26.5M) | (25.2M) | |
Retained Earnings | 94.7M | 98.4M | 104.5M | 110.0M | 126.5M | 85.4M | |
Accounts Payable | 292K | 224K | 607K | 2.0M | 1.8M | 1.7M | |
Cash | 94.4M | 61.2M | 30.2M | 50.3M | 57.8M | 32.8M | |
Other Assets | 580.3M | 596.1M | 665.8M | (89.8M) | (103.3M) | (108.5M) | |
Net Receivables | 2.8M | 2.6M | 3.0M | 4.0M | 3.6M | 3.0M | |
Total Liab | 10.3M | 868.2M | 909.5M | 982.3M | 1.1B | 1.2B | |
Total Current Assets | 182.2M | 194.7M | 164.0M | 152.5M | 137.3M | 130.4M | |
Short Term Debt | 10.0M | 10.0M | 20.0M | 10M | 11.5M | 12.1M | |
Other Liab | 6.2M | 5.6M | 9.2M | 6.2M | 5.6M | 7.4M | |
Inventory | (98.3M) | (66.0M) | (35.7M) | 9.0M | 8.1M | 8.5M | |
Intangible Assets | 975K | 634K | 366K | 171K | 153.9K | 146.2K | |
Other Current Assets | 98.3M | 66.0M | 35.7M | 64.6M | 58.1M | 55.2M | |
Net Tangible Assets | 75.9M | 78.3M | 82.0M | 77.3M | 88.9M | 81.8M | |
Capital Surpluse | 13.5M | 13.8M | 13.8M | 14.5M | 16.7M | 12.4M |
First Bancshares Key Income Statement Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Interest Expense | 4.6M | 3.0M | 4.3M | 15.5M | 13.9M | 7.8M | |
Total Revenue | 40.8M | 40.5M | 624K | 40.7M | 46.8M | 36.6M | |
Gross Profit | 40.8M | 40.5M | 624K | 40.4M | 46.5M | 36.5M | |
Operating Income | 3.5M | 5.7M | 13.3M | 11.3M | 10.1M | 6.1M | |
Ebit | 3.5M | 5.7M | 9.0M | 11.3M | 10.1M | 5.9M | |
Ebitda | 5.6M | 7.8M | 10.9M | 13.0M | 11.7M | 7.1M | |
Income Before Tax | 3.5M | 5.7M | 9.0M | 11.3M | 10.1M | 5.8M | |
Net Income | 2.7M | 4.5M | 6.9M | 8.5M | 7.6M | 4.2M | |
Income Tax Expense | 825K | 1.3M | 2.1M | 2.8M | 2.5M | 1.6M | |
Tax Provision | 825K | 1.3M | 2.1M | 2.7M | 3.1M | 1.6M | |
Net Interest Income | 35.8M | 37.0M | 36.9M | 38.1M | 43.9M | 36.8M | |
Interest Income | 40.4M | 39.9M | 41.2M | 50.5M | 58.1M | 42.0M |
First Bancshares Key Cash Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Change In Cash | 37.4M | (33.2M) | (31.1M) | 20.1M | 23.1M | 24.3M | |
Free Cash Flow | 5.1M | 9.0M | 11.3M | 11.6M | 10.4M | 8.3M | |
Depreciation | 2.1M | 2.0M | 1.9M | 1.8M | 2.0M | 1.6M | |
Other Non Cash Items | 3.2M | 2.3M | 3.7M | 2.0M | 1.8M | 1.7M | |
Dividends Paid | 740K | 745K | 832K | 1.2M | 1.1M | 1.9M | |
Capital Expenditures | 955K | 822K | 1.3M | 1.5M | 1.7M | 1.9M | |
Net Income | 2.7M | 4.5M | 6.9M | 8.5M | 7.6M | 4.2M | |
End Period Cash Flow | 94.4M | 61.2M | 30.2M | 50.3M | 57.8M | 34.3M | |
Investments | (66.1M) | (44.7M) | (82.0M) | (53.9M) | (48.5M) | (46.1M) | |
Change Receivables | (224K) | 328K | (319K) | (455K) | (409.5K) | (389.0K) | |
Net Borrowings | 9.5M | (8K) | 10.7M | 10.0M | 11.5M | 12.1M | |
Change To Netincome | 4.7M | 4.3M | 2.3M | 3.2M | 2.9M | 4.3M |
First Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining First Bancshares's current stock value. Our valuation model uses many indicators to compare First Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Bancshares competition to find correlations between indicators driving First Bancshares's intrinsic value. More Info.First Bancshares is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.09 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Bancshares is roughly 11.52 . At present, First Bancshares' Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the First Bancshares' earnings, one of the primary drivers of an investment's value.First Bancshares Systematic Risk
First Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. First Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on First Bancshares correlated with the market. If Beta is less than 0 First Bancshares generally moves in the opposite direction as compared to the market. If First Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one First Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of First Bancshares is generally in the same direction as the market. If Beta > 1 First Bancshares moves generally in the same direction as, but more than the movement of the benchmark.
About First Bancshares Financials
What exactly are First Bancshares Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include First Bancshares' income statement, its balance sheet, and the statement of cash flows. Potential First Bancshares investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although First Bancshares investors may use each financial statement separately, they are all related. The changes in First Bancshares's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on First Bancshares's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.Today, most investors in First Bancshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Bancshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Bancshares growth as a starting point in their analysis.
Price Earnings To Growth Ratio |
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First Bancshares March 14, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of First Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Bancshares's daily price indicators and compare them against related drivers.
Information Ratio | 0.0256 | |||
Maximum Drawdown | 13.73 | |||
Value At Risk | (6.04) | |||
Potential Upside | 5.27 |
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When running First Bancshares' price analysis, check to measure First Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Bancshares is operating at the current time. Most of First Bancshares' value examination focuses on studying past and present price action to predict the probability of First Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Bancshares' price. Additionally, you may evaluate how the addition of First Bancshares to your portfolios can decrease your overall portfolio volatility.
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