First Bancshares Financials

FUSB Stock  USD 13.85  0.40  2.97%   
Based on the key indicators related to First Bancshares' liquidity, profitability, solvency, and operating efficiency, First Bancshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, First Bancshares' Other Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 321 M, whereas Total Assets are forecasted to decline to about 684.9 M. Key indicators impacting First Bancshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.250.26
Sufficiently Down
Pretty Stable
Current Ratio0.490.52
Notably Down
Pretty Stable
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

4.21 Million

  
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
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS33744V1035
CUSIP33744V103 911459105
LocationAlabama; U.S.A
Business Address3291 Highway 280,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.fusb.com
Phone205 582 1200
CurrencyUSD - US Dollar

First Bancshares Key Financial Ratios

First Bancshares Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets890.5M958.3M994.7M1.1B1.2B684.9M
Other Current Liab(10.3M)(10.3M)(20.6M)327.7M294.9M309.6M
Net Debt(84.4M)(40.5M)612K(29.5M)(26.5M)(25.2M)
Retained Earnings94.7M98.4M104.5M110.0M126.5M85.4M
Accounts Payable292K224K607K2.0M1.8M1.7M
Cash94.4M61.2M30.2M50.3M57.8M32.8M
Other Assets580.3M596.1M665.8M(89.8M)(103.3M)(108.5M)
Net Receivables2.8M2.6M3.0M4.0M3.6M3.0M
Total Liab10.3M868.2M909.5M982.3M1.1B1.2B
Total Current Assets182.2M194.7M164.0M152.5M137.3M130.4M
Short Term Debt10.0M10.0M20.0M10M11.5M12.1M
Other Liab6.2M5.6M9.2M6.2M5.6M7.4M
Inventory(98.3M)(66.0M)(35.7M)9.0M8.1M8.5M
Intangible Assets975K634K366K171K153.9K146.2K
Other Current Assets98.3M66.0M35.7M64.6M58.1M55.2M
Net Tangible Assets75.9M78.3M82.0M77.3M88.9M81.8M
Capital Surpluse13.5M13.8M13.8M14.5M16.7M12.4M

First Bancshares Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense4.6M3.0M4.3M15.5M13.9M7.8M
Total Revenue40.8M40.5M624K40.7M46.8M36.6M
Gross Profit40.8M40.5M624K40.4M46.5M36.5M
Operating Income3.5M5.7M13.3M11.3M10.1M6.1M
Ebit3.5M5.7M9.0M11.3M10.1M5.9M
Ebitda5.6M7.8M10.9M13.0M11.7M7.1M
Income Before Tax3.5M5.7M9.0M11.3M10.1M5.8M
Net Income2.7M4.5M6.9M8.5M7.6M4.2M
Income Tax Expense825K1.3M2.1M2.8M2.5M1.6M
Tax Provision825K1.3M2.1M2.7M3.1M1.6M
Net Interest Income35.8M37.0M36.9M38.1M43.9M36.8M
Interest Income40.4M39.9M41.2M50.5M58.1M42.0M

First Bancshares Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash37.4M(33.2M)(31.1M)20.1M23.1M24.3M
Free Cash Flow5.1M9.0M11.3M11.6M10.4M8.3M
Depreciation2.1M2.0M1.9M1.8M2.0M1.6M
Other Non Cash Items3.2M2.3M3.7M2.0M1.8M1.7M
Dividends Paid740K745K832K1.2M1.1M1.9M
Capital Expenditures955K822K1.3M1.5M1.7M1.9M
Net Income2.7M4.5M6.9M8.5M7.6M4.2M
End Period Cash Flow94.4M61.2M30.2M50.3M57.8M34.3M
Investments(66.1M)(44.7M)(82.0M)(53.9M)(48.5M)(46.1M)
Change Receivables(224K)328K(319K)(455K)(409.5K)(389.0K)
Net Borrowings9.5M(8K)10.7M10.0M11.5M12.1M
Change To Netincome4.7M4.3M2.3M3.2M2.9M4.3M

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.
Execute Function
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

0.27

At present, First Bancshares' Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

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.

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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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