Stock fact sheet · data as of
First US Bancshares, Inc. (FUSB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is FUSB undervalued?
At 16.45 (close of 16 Oct 2026), FUSB trades within a few percent of the GLS average fair value of 17.26 (4.7% below fair value). 9 models produced a value and they split 5 above the price to 4 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
The 9 models disagree widely: DDM gives 4.12 while 10 Cap gives 36.60. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files FUSB under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for FUSB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 18.05 | +10% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 23.59 | +43% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 21.89 | +33% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 5.43 | -67% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 6.58 | -60% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 36.60 | +122% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 23.98 | +46% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 4.12 | -75% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 15.08 | -8% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -174.63 | -1162% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health FUSB scores 8/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 5.7 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 5.1%, ROE 5.7%, ROA 0.5% - with debt at 0.10 times equity and a free-cash-flow yield of 7.3%.
The dividend yield is 1.70% at a payout ratio of 20%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Operating Segments 100% (quarter Q2 FY2025).
Institutional ownership scores 2/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 5.1% |
|---|---|---|---|
| GLS Moat | 5.7 / 10 | ROE | 5.7% |
| Debt / equity | 0.10 | ROA | 0.5% |
| Free-cash-flow yield | 7.3% | Payout ratio | 20% |
| Institutions | 2 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
FUSB has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 2k shares a day on a market cap of $91M, with a beta of 0.24 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 14 / 25 | 5% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 9 / 15 | moat 5.7/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 2k shares/day, $91M cap, beta 0.24 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for FUSB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to First US Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| KSBI KS Bancorp, Inc. | 81.55 | 161.11 | +49% | 39No options | $90M |
| FSMK 1ST SUMMIT BANCORP of Johnstown, Inc. | 42.88 | 34.41 | -25% | 27No options | $91M |
| CZBC Citizens Bancorp | 16.00 | 9.20 | -74% | 20No options | $90M |
| KLIB Killbuck Bancshares, Inc. | 171.75 | 440.65 | +61% | 39No options | $90M |
| FNWB First Northwest Bancorp | 9.63 | 12.04 | +20% | 39No options | $92M |
| ORPB Oregon Pacific Bancorp | 12.47 | 23.07 | +46% | 39No options | $90M |
| HMLN Hamlin Bank and Trust Company | 256.60 | 446.04 | +42% | 39No options | $92M |
| CZBT Citizens Bancorp of Virginia, Inc. | 43.55 | 71.84 | +39% | 39No options | $92M |
| MCBK Madison County Financial, Inc. | 33.30 | 28.59 | -16% | 28No options | $89M |
| AUBN Auburn National Bancorporation, Inc. | 26.47 | 34.04 | +22% | 39No options | $92M |
| BKOR Oak Ridge Financial Services, Inc. | 32.40 | 42.01 | +23% | 39No options | $89M |
| SOBS Solvay Bank Corp. | 36.50 | 28.22 | -29% | 20No options | $93M |
⚖ Compare FUSB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FUSB
Is FUSB undervalued right now?
Not meaningfully: at 16.45 the stock trades within a few percent of the GLS average fair value of 17.26 (4.7% below fair value, data as of 16 Oct 2026).
What is the Wheel Score of FUSB and what does it mean?
FUSB has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for FUSB?
17.26 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does First US Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for FUSB in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does FUSB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FUSB, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.