Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+2.52%
$16.92
100% positive prob.
5-Day Prediction
+4.84%
$17.30
100% positive prob.
20-Day Prediction
+4.74%
$17.28
95% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q2 2026 | BUY | +2.52% | +4.84% | +4.74% | 100.0% | Pending |
| Q1 2026 | SELL | -0.52% | -2.84% | +2.61% | 100.0% | -0.61% |
| Q4 2025 | BUY | +2.56% | +4.61% | +4.56% | 100.0% | +6.90% |
SEC 8-K filings with transcript text
Jul 29, 2026 · 100% conf.
1D
+2.52%
$16.92
Act: +2.00%
5D
+4.84%
$17.30
20D
+4.74%
$17.28
2 fusb-ex99_1.htm
Exhibit 99.1
First US Bancshares, Inc. Reports Second Quarter 2026 Results
BIRMINGHAM, AL (July 29, 2026)
First US Bancshares, Inc. (Nasdaq: FUSB) (the “Company”), the parent company of First US Bank (the “Bank”), today reported net income of $1.8 million, or $0.31 per diluted share, for the quarter ended June 30, 2026 (“2Q2026”), compared to $1.9 million, or $0.33 per diluted share, for the quarter ended March 31, 2026 (“1Q2026”) and $0.2 million, or $0.03 per diluted share, for the quarter ended June 30, 2025 (“2Q2025”). For the six months ended June 30, 2026, net income totaled $3.7 million, or $0.64 per diluted share, compared to $1.9 million, or $0.32 per diluted share, for the six months ended June 30, 2025. The increase in earnings in both 2Q2026 and the six months ended June 30, 2026, compared to the corresponding periods of 2025, resulted primarily from a decrease in the provision for credit losses on loans and leases.
The table below summarizes selected financial data for each of the periods presented.
Quarter Ended
Six Months Ended
2026
2025
2026
2025
June 30,
March 31,
December 31,
September 30,
June 30,
June 30,
June 30,
Results of Operations: (Dollars in Thousands)
(Unaudited)
(Unaudited)
(Unaudited)
(Unaudited)
(Unaudited)
(Unaudited)
(Unaudited)
Interest income
$
14,657
$
14,940
$
15,262
$
15,281
$
14,854
$
29,597
$
28,872
Interest expense
5,157
5,725
5,839
5,619
5,378
10,882
10,499
Net interest income
9,500
9,215
9,423
9,662
9,476
18,715
18,373
Provision for credit losses
939
254
220
566
2,717
1,193
3,245
Net interest income after provision for credit losses
8,561
8,961
9,203
9,096
6,759
17,522
15,128
Non-interest income
1,318
840
995
860
849
2,158
1,724
Non-interest expense
7,643
7,341
7,271
7,437
7,444
14,984
14,362
Income before income taxes
2,236
2,460
2,927
2,519
164
4,696
2,490
Provision for income taxes
483
515
798
583
9
998
563
Net income
$
1,753
$
1,945
$
2,129
$
1,936
$
155
$
3,698
$
1,927
Per Share Data:
Basic net income per share
$
0.31
$
0.34
$
0.37
$
0.33
$
0.03
$
0.65
$
0.33
Diluted net income per share
$
0.31
$
0.33
$
0.36
$
0.32
$
0.03
$
0.64
$
0.32
Dividends declared
$
0.07
$
0.07
$
0.07
$
0.07
$
0.07
$
0.14
$
0.14
Key Measures (Period End):
Total assets
$
1,147,619
$
1,165,236
$
1,154,785
$
1,147,175
$
1,143,379
Tangible assets (1)
1,140,184
1,157,801
1,147,350
1,139,740
1,135,932
Total loans
860,635
843,697
853,018
867,520
871,431
Allowance for credit losses ("ACL") on loans and leases
10,882
10,536
10,704
10,700
11,388
Investment securities, net
165,959
181,545
168,540
164,493
157,137
Total deposits
997,956
1,038,849
1,027,962
1,002,472
986,846
Short-term borrowings
25,000
—
—
20,000
35,000
Long-term borrowings
10,982
10,963
10,945
10,927
10,909
Total shareholders’ equity
104,285
104,634
105,648
104,238
101,892
Tangible common equity (1)
96,850
97,199
98,213
96,803
94,445
Book value per common share
18.88
18.67
18.53
18.08
17.70
Tangible book value per common share (1)
17.54
17.34
17.23
16.79
16.41
Common shares outstanding
5,523,209
5,604,123
5,699,696
5,765,137
5,755,064
Key Ratios:
Return on average assets (annualized)
0.62
%
0.67
%
0.74
%
0.68
%
0.06
%
0.65
%
0.35
%
Return on average common equity (annualized)
6.73
%
7.46
%
8.04
%
7.48
%
0.61
%
7.09
%
3.86
%
Return on average tangible common equity (annualized) (1)
7.24
%
8.02
%
8.65
%
8.06
%
0.66
%
7.63
%
4.17
%
Pre-tax pre-provision net revenue to average assets (annualized) (1)
1.12
%
0.94
%
1.09
%
1.08
%
1.03
%
1.03
%
1.05
%
Net interest margin
3.56
%
3.37
%
3.46
%
3.60
%
3.59
%
3.46
%
3.56
%
Efficiency ratio (2)
70.7
%
73.0
%
69.8
%
70.7
%
72.1
%
71.8
%
71.5
%
Total loans to deposits
86.2
%
81.2
%
83.0
%
86.5
%
88.3
%
Total loans to assets
75.0
%
72.4
%
73.9
%
75.6
%
76.2
%
Common equity to total assets
9.09
%
8.98
%
9.15
%
9.09
%
8.91
%
Tangible common equity to tangible assets (1)
8.49
%
8.40
%
8.56
%
8.49
%
8.31
%
Tier 1 leverage ratio (3)
9.16
%
8.85
%
9.03
%
9.19
%
9.23
%
ACL on loans and leases as % of total loans
1.26
%
1.25
%
1.25
%
1.23
%
1.31
%
Nonperforming assets as % of total assets
0.17
%
0.16
%
0.14
%
0.19
%
0.33
%
Net charge-offs as a percentage of average loans (annualized)
0.30
%
0.23
%
0.08
%
0.61
%
0.79
%
0.27
%
0.47
%
(1) Refer to the Non-GAAP Financial Measures section for a reconciliation of this non-GAAP measure to a GAAP-amount.
(2) Efficiency ratio = non-interest expense / (net interest income + non-interest income)
(3) First US Bank Tier 1 leverage ratio
First US Bancshares, Inc. Reports Second Quarter 2026 Res
Apr 29, 2026 · 100% conf.
1D
-0.52%
$16.21
Act: +1.29%
5D
-2.84%
$15.83
Act: -0.61%
20D
+2.61%
$16.71
Act: -1.78%
2 fusb-ex99_1.htm
Exhibit 99.1
First US Bancshares, Inc. Reports First Quarter 2026 Results
BIRMINGHAM, AL (April 29, 2026)
First US Bancshares, Inc. (Nasdaq: FUSB) (the “Company”), the parent company of First US Bank (the “Bank”), today reported net income of $1.9 million, or $0.33 per diluted share, for the quarter ended March 31, 2026 (“1Q2026”), compared to $2.1 million, or $0.36 per diluted share, for the quarter ended December 31, 2025 (“4Q2025”) and $1.8 million, or $0.29 per diluted share, for the quarter ended March 31, 2025 (“1Q2025”).
The table below summarizes selected financial data for each of the periods presented.
Quarter Ended
2026
2025
March 31,
December 31,
September 30,
June 30,
March 31,
Results of Operations: (Dollars in Thousands)
(Unaudited)
(Unaudited)
(Unaudited)
(Unaudited)
(Unaudited)
Interest income
$
14,940
$
15,262
$
15,281
$
14,854
$
14,018
Interest expense
5,725
5,839
5,619
5,378
5,121
Net interest income
9,215
9,423
9,662
9,476
8,897
Provision for credit losses
254
220
566
2,717
528
Net interest income after provision for credit losses
8,961
9,203
9,096
6,759
8,369
Non-interest income
840
995
860
849
875
Non-interest expense
7,341
7,271
7,437
7,444
6,918
Income before income taxes
2,460
2,927
2,519
164
2,326
Provision for income taxes
515
798
583
9
554
Net income
$
1,945
$
2,129
$
1,936
$
155
$
1,772
Per Share Data:
Basic net income per share
$
0.34
$
0.37
$
0.33
$
0.03
$
0.30
Diluted net income per share
$
0.33
$
0.36
$
0.32
$
0.03
$
0.29
Dividends declared
$
0.07
$
0.07
$
0.07
$
0.07
$
0.07
Key Measures (Period End):
Total assets
$
1,165,236
$
1,154,785
$
1,147,175
$
1,143,379
$
1,126,967
Tangible assets (1)
1,157,801
1,147,350
1,139,740
1,135,932
1,119,502
Total loans
843,697
853,018
867,520
871,431
848,335
Allowance for credit losses ("ACL") on loans and leases
10,536
10,704
10,700
11,388
10,405
Investment securities, net
181,545
168,540
164,493
157,137
161,946
Total deposits
1,038,849
1,027,962
1,002,472
986,846
961,952
Short-term borrowings
—
—
20,000
35,000
45,000
Long-term borrowings
10,963
10,945
10,927
10,909
10,890
Total shareholders’ equity
104,634
105,648
104,238
101,892
101,231
Tangible common equity (1)
97,199
98,213
96,803
94,445
93,766
Book value per common share
18.67
18.53
18.08
17.70
17.64
Tangible book value per common share (1)
17.34
17.23
16.79
16.41
16.34
Common shares outstanding
5,604,123
5,699,696
5,765,137
5,755,064
5,739,286
Key Ratios:
Return on average assets (annualized)
0.67
%
0.74
%
0.68
%
0.06
%
0.66
%
Return on average common equity (annualized)
7.46
%
8.04
%
7.48
%
0.61
%
7.21
%
Return on average tangible common equity (annualized) (1)
8.02
%
8.65
%
8.06
%
0.66
%
7.79
%
Pre-tax pre-provision net revenue to average assets (annualized) (1)
0.94
%
1.09
%
1.08
%
1.03
%
1.06
%
Net interest margin
3.37
%
3.46
%
3.60
%
3.59
%
3.53
%
Efficiency ratio (2)
73.0
%
69.8
%
70.7
%
72.1
%
70.8
%
Total loans to deposits
81.2
%
83.0
%
86.5
%
88.3
%
88.2
%
Total loans to assets
72.4
%
73.9
%
75.6
%
76.2
%
75.3
%
Common equity to total assets
8.98
%
9.15
%
9.09
%
8.91
%
8.98
%
Tangible common equity to tangible assets (1)
8.40
%
8.56
%
8.49
%
8.31
%
8.38
%
Tier 1 leverage ratio (3)
8.85
%
9.03
%
9.19
%
9.23
%
9.55
%
ACL on loans and leases as % of total loans
1.25
%
1.25
%
1.23
%
1.31
%
1.23
%
Nonperforming assets as % of total assets
0.16
%
0.14
%
0.19
%
0.33
%
0.44
%
Net charge-offs as a percentage of average loans (annualized)
0.23
%
0.08
%
0.61
%
0.79
%
0.13
%
(1) Refer to the non-GAAP reconciliations beginning on page 8.
(2) Efficiency ratio = non-interest expense / (net interest income + non-interest income)
(3) First US Bank Tier 1 leverage ratio
First US Bancshares, Inc. Reports First Quarter 2026 Results
April 29, 2026
CEO Commentary
“We are pleased to report a solid start to the year,” stated James F. House, President and CEO of the Company. “First quarter 2026 diluted earnings per share improved by 13.8% compared to the same quarter of 2025. Although we saw a modest decline in total loan volume during the quarter, some of which was seasonal, we experienced growth in our core deposit franchise,” continued Mr. House. “While the year is certainly off to a volatile start from a geopolitical and economic standpoint, we continue to believe that the Company’s balance sheet is well positioned to thrive in multiple scenarios.”
Financial Results
Loans and Leases – The table below summarizes loan balances by portfolio category as of the end of each of the most recent five quarters.
Quarter Ended
2026
2025
March 31,
December 31,
September 30,
June 30,
March
Jan 28, 2026 · 100% conf.
1D
+2.56%
$14.86
Act: +2.14%
5D
+4.61%
$15.16
Act: +6.90%
20D
+4.56%
$15.15
Act: +6.42%
8-K
false000071780600007178062026-01-282026-01-28
Washington, D.C. 20549
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 28, 2026
First US Bancshares, Inc.
(Exact Name of Registrant as Specified in Charter)
Delaware
000-14549
63-0843362
(State or Other Jurisdiction of Incorporation)
(Commission File Number)
(IRS Employer Identification No.)
3291 U.S. Highway 280 Birmingham, Alabama 35243 (Address of Principal Executive Offices, including Zip Code) Registrant’s telephone number, including area code: (205) 582-1200 N/A (Former Name or Former Address, if Changed Since Last Report) Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, $0.01 par value
The Nasdaq Stock Market LLC
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§230.405 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02
Results of Operations and Financial Condition.
On January 28, 2026, First US Bancshares, Inc. issued a press release announcing financial results for the quarter ended December 31, 2025. The press release is attached as Exhibit 99.1 to this Form 8-K and is furnished to, but not filed with, the Commission.
Item 9.01
Financial Statements and Exhibits.
(d)
Exhibits.
Exhibit Number
Exhibit
99.1
Press Release dated January 28, 2026
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Dated: January 28, 2026
By:
/s/ Thomas S. Elley
Name:
Thomas S. Elley
Senior Executive Vice President, Treasurer and Assistant Secretary, Chief Financial Officer
This page provides First US Bancshares Inc. (FUSB) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on FUSB's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.