First Bancshares Financials

FUSB Stock  USD 15.49  0.44  2.76%   
Based on the key indicators related to First Bancshares' liquidity, profitability, solvency, and operating efficiency, First Bancshares is performing exceptionally good at this time. It has a great probability to report excellent financial results in March. At present, First Bancshares' Net Debt is projected to increase significantly based on the last few years of reporting. The current year's Other Assets is expected to grow to about 986.7 M, whereas Total Assets are forecasted to decline to about 720.7 M.
 
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First Bancshares Balance Sheet Chart

At present, First Bancshares' Net Debt is projected to increase significantly based on the last few years of reporting. The current year's Other Assets is expected to grow to about 986.7 M, whereas Total Assets are forecasted to decline to about 720.7 M.
Key indicators impacting First Bancshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.09840.1036
Notably Down
Slightly volatile
Current Ratio1.221.1603
Sufficiently Up
Slightly volatile
The financial analysis of First Bancshares is a critical element in measuring its lifeblood. Investors should carefully consider First Bancshares' ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

4.17 Million

  
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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 Bank of the, United Bancorp, IF Bancorp, Fifth District, and First Northwest. 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
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

202120222023202420252026 (projected)
Total Assets958.3M994.7M1.1B1.1B1.2B720.7M
Other Current Liab838.1M870.0M950.2M972.6M156.3M148.5M
Net Debt(40.5M)548K(29.5M)(26.3M)10.9M12.0M
Retained Earnings98.4M104.5M110.0M116.9M121.2M87.9M
Accounts Payable224K607K2.0M1.8M1.6M1.5M
Cash61.2M30.2M50.3M47.2M9.4M8.9M
Other Assets596.1M684.1M(89.8M)886.7M939.7M986.7M
Net Receivables2.6M3.0M4.0M3.6M3.9M3.0M
Total Liab868.2M909.5M982.3M1.0B1.0B638.9M
Total Current Assets194.7M164.0M189.8M74.7M181.4M108.9M
Short Term Debt10.0M10.0M20M10M11.5M12.1M
Other Liab6.2M5.6M9.2M6.2M5.6M7.4M
Inventory(98.3M)(66.0M)(35.7M)9.0M8.1M8.5M
Other Current Assets98.3M66.0M35.7M64.6M58.1M55.2M
Intangible Assets634K366K171K49K44.1K41.9K
Net Tangible Assets75.9M78.3M82.0M77.3M88.9M81.8M

First Bancshares Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense3.0M4.3M15.5M22.1M22.0M23.1M
Total Revenue43.4M44.3M56.2M61.8M63.0M50.2M
Gross Profit38.5M36.8M40.4M39.1M37.0M33.4M
Operating Income5.7M9.0M11.3M10.8M7.9M5.7M
Ebit5.7M9.0M11.3M10.8M9.7M5.7M
Ebitda7.8M10.9M13.0M12.5M7.9M6.7M
Cost Of Revenue5.0M7.6M15.8M22.7M26.0M27.3M
Income Before Tax5.7M9.0M11.3M10.8M7.9M5.7M
Net Income4.5M6.9M8.5M8.2M6.0M4.2M
Income Tax Expense1.3M2.1M2.8M2.6M1.9M1.5M
Tax Provision1.3M2.1M2.7M2.6M3.0M1.7M
Net Interest Income37.0M36.9M38.1M36.1M41.6M37.1M
Interest Income39.9M41.2M50.5M58.3M67.0M44.2M

First Bancshares Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash(33.2M)(31.1M)20.1M(3.1M)(2.8M)(2.6M)
Free Cash Flow9.0M11.3M11.6M5.7M5.1M8.1M
Depreciation2.0M1.9M1.8M1.7M2.0M1.6M
Other Non Cash Items2.3M3.7M2.0M(372K)(334.8K)(318.1K)
Dividends Paid745K832K1.2M1.3M1.1M1.9M
Capital Expenditures822K1.3M1.5M2.1M2.4M1.9M
Net Income4.5M6.9M8.5M8.2M7.4M4.3M
End Period Cash Flow61.2M30.2M50.3M47.2M54.3M34.9M
Investments(44.7M)(82.0M)(53.9M)(30.3M)(27.3M)(28.7M)
Net Borrowings9.5M(8K)10.7M10.0M(10.0M)0.0
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  11.08 . 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.
Most indicators from First Bancshares' fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into First Bancshares current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.
For information on how to trade First Stock refer to our How to Trade First Stock guide.At present, First Bancshares' Enterprise Value Over EBITDA is projected to increase slightly based on the last few years of reporting. The current year's Enterprise Value Multiple is expected to grow to 10.96, whereas Selling General Administrative is forecasted to decline to about 16.9 M.
 2023 2024 2025 2026 (projected)
Interest Expense15.5M22.1M22.0M23.1M
Depreciation And Amortization1.8M1.7M2.0M1.4M

First Bancshares fundamental ratios Correlations

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0.120.230.25-0.050.140.520.010.19-0.270.3-0.230.19-0.21-0.05-0.22-0.25-0.160.120.140.23-0.210.59-0.2-0.280.35
0.560.231.00.450.53-0.540.510.030.680.980.16-0.10.20.270.390.43-0.6-0.210.570.260.20.280.46-0.08-0.37
0.560.251.00.450.53-0.530.510.030.670.980.15-0.10.20.270.390.43-0.6-0.210.570.260.20.30.46-0.09-0.36
0.91-0.050.450.450.75-0.190.990.350.260.370.50.440.410.550.880.740.32-0.770.90.750.420.570.86-0.21-0.76
0.780.140.530.530.75-0.160.720.220.280.50.160.20.150.270.550.60.12-0.270.780.720.160.680.54-0.54-0.39
-0.130.52-0.54-0.53-0.19-0.16-0.160.36-0.96-0.48-0.230.15-0.35-0.12-0.34-0.410.50.06-0.120.24-0.350.32-0.38-0.210.42
0.920.010.510.510.990.72-0.160.370.240.430.540.390.430.590.880.70.25-0.810.910.720.440.580.88-0.2-0.77
0.530.190.030.030.350.220.360.37-0.30.10.120.2-0.440.690.05-0.050.51-0.340.540.64-0.430.240.04-0.450.08
0.25-0.270.680.670.260.28-0.960.24-0.30.630.2-0.040.330.170.360.43-0.54-0.080.25-0.120.33-0.120.410.12-0.39
0.530.30.980.980.370.5-0.480.430.10.630.07-0.090.030.260.260.31-0.61-0.110.540.250.030.280.33-0.15-0.22
0.33-0.230.160.150.50.16-0.230.540.120.20.070.110.440.580.760.410.09-0.790.320.090.450.060.760.23-0.75
0.370.19-0.1-0.10.440.20.150.390.2-0.04-0.090.11-0.130.220.280.220.5-0.430.360.47-0.130.540.28-0.13-0.23
0.17-0.210.20.20.410.15-0.350.43-0.440.330.030.44-0.13-0.030.690.54-0.16-0.460.15-0.111.00.060.660.3-0.7
0.69-0.050.270.270.550.27-0.120.590.690.170.260.580.22-0.030.50.270.33-0.640.690.51-0.010.10.48-0.12-0.34
0.69-0.220.390.390.880.55-0.340.880.050.360.260.760.280.690.50.780.16-0.860.670.420.70.350.990.08-0.94
0.57-0.250.430.430.740.6-0.410.7-0.050.430.310.410.220.540.270.780.16-0.620.550.50.550.380.820.1-0.81
0.27-0.16-0.6-0.60.320.120.50.250.51-0.54-0.610.090.5-0.160.330.160.16-0.360.260.58-0.150.260.1-0.19-0.08
-0.610.12-0.21-0.21-0.77-0.270.06-0.81-0.34-0.08-0.11-0.79-0.43-0.46-0.64-0.86-0.62-0.36-0.59-0.47-0.47-0.35-0.87-0.130.85
1.00.140.570.570.90.78-0.120.910.540.250.540.320.360.150.690.670.550.26-0.590.840.160.580.65-0.37-0.49
0.840.230.260.260.750.720.240.720.64-0.120.250.090.47-0.110.510.420.50.58-0.470.84-0.10.720.41-0.39-0.29
0.18-0.210.20.20.420.16-0.350.44-0.430.330.030.45-0.131.0-0.010.70.55-0.15-0.470.16-0.10.060.670.3-0.7
0.590.590.280.30.570.680.320.580.24-0.120.280.060.540.060.10.350.380.26-0.350.580.720.060.35-0.49-0.26
0.67-0.20.460.460.860.54-0.380.880.040.410.330.760.280.660.480.990.820.1-0.870.650.410.670.350.12-0.96
-0.36-0.28-0.08-0.09-0.21-0.54-0.21-0.2-0.450.12-0.150.23-0.130.3-0.120.080.1-0.19-0.13-0.37-0.390.3-0.490.12-0.25
-0.510.35-0.37-0.36-0.76-0.390.42-0.770.08-0.39-0.22-0.75-0.23-0.7-0.34-0.94-0.81-0.080.85-0.49-0.29-0.7-0.26-0.96-0.25
Click cells to compare fundamentals

First Bancshares Account Relationship Matchups

First Bancshares fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets958.3M994.7M1.1B1.1B1.2B720.7M
Other Current Liab838.1M870.0M950.2M972.6M156.3M148.5M
Net Debt(40.5M)548K(29.5M)(26.3M)10.9M12.0M
Retained Earnings98.4M104.5M110.0M116.9M121.2M87.9M
Accounts Payable224K607K2.0M1.8M1.6M1.5M
Cash61.2M30.2M50.3M47.2M9.4M8.9M
Other Assets596.1M684.1M(89.8M)886.7M939.7M986.7M
Net Receivables2.6M3.0M4.0M3.6M3.9M3.0M
Total Liab868.2M909.5M982.3M1.0B1.0B638.9M
Total Current Assets194.7M164.0M189.8M74.7M181.4M108.9M
Short Term Debt10.0M10.0M20M10M11.5M12.1M
Other Liab6.2M5.6M9.2M6.2M5.6M7.4M
Inventory(98.3M)(66.0M)(35.7M)9.0M8.1M8.5M
Other Current Assets98.3M66.0M35.7M64.6M58.1M55.2M
Intangible Assets634K366K171K49K44.1K41.9K
Net Tangible Assets75.9M78.3M82.0M77.3M88.9M81.8M

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

(0.54)

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

First Bancshares February 6, 2026 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.

Complementary Tools for First Stock analysis

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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