First US Bancshares Inc
FUSBFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 11:20 AM ET
16.45+0.05 (0.30%)
2026-11-11 17:25 CET
Market cap
83.59 USD m
Revenue, TTM
- USD m
Net income, TTM
7.79 USD m
Free cash flow, TTM
8.84 USD m
EPS diluted, TTM
1.35
P/E
12.18
Price
FUSB against its 20, 50 and 200-day averages2050200
3.2% under the 52-week high of 16.99 on 1 Jul 2026. 52-week low 12.81 on 16 Dec 2025. Last 15 sessions, 2.0% high to low
Profile
FUSB52-week range, 87% of the way up
12.8116.99
First US Bancshares, Inc. operates as a holding company for First U.S. Bank. It provides services including receipt of demand, savings, individual retirement account and time deposits, personal and commercial loans, safe deposit box services and remote deposit capture through its subsidiary. The company was founded in 1981 and is headquartered in Birmingham, AL.
| Employees | 152 |
|---|---|
| IPO | Jul 09, 1997 |
| Beta | 0.24 |
| ATR, 14d | 0.18 |
| Rel volume | 0.29 |
| Short float | 0.18% |
| Insider own | 14.76% |
| Inst own | 20.08% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 83.84M |
| Enterprise Value | - |
| Income | 7.79M |
| Sales | 64.11M |
| Book/sh | 18.82 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.28 (1.70%) |
| Dividend Ex-Date | Sep 11, 2026 |
| Dividend Gr. 3/5Y | 25.99% 18.47% |
| Payout | 28.05% |
| Employees | 152 |
| IPO | Jul 09, 1997 |
Ratios
| P/E | 12.18 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 1.31 |
| P/B | 0.87 |
| P/C | - |
| P/FCF | 9.48 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.18 |
| Debt/Eq | 0.44 |
| LT Debt/Eq | 0.13 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 1.35 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | -1.84% 19.84% |
| Sales past 3/5Y | 11.97% 6.87% |
| EPS Y/Y TTM | 43.52% |
| Sales Y/Y TTM | 3.74% |
| EPS Q/Q | 11.54% |
| Sales Q/Q | 0.28% |
| Earnings | Jul 29 AMC |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 14.76% |
|---|---|
| Insider Trans | 0.96% |
| Inst Own | 20.08% |
| Inst Trans | 0.41% |
| ROA | 0.67% |
| ROE | 7.75% |
| ROIC | 7.14% |
| Gross Margin | - |
| Oper. Margin | 15.82% |
| Profit Margin | 12.15% |
| SMA20 | -0.28% |
| SMA50 | -0.16% |
| SMA200 | 2.59% |
| Trades | - |
Technical
| Shs Outstand | 5.13M |
|---|---|
| Shs Float | 4.35M |
| Short Float | 0.18% |
| Short Ratio | 0.49 |
| Short Interest | 0.01M |
| 52W High | 16.99 -3.18% |
| 52W Low | 12.81 28.42% |
| Volatility | 0.89% 0.87% |
| ATR (14) | 0.18 |
| RSI (14) | 48.84 |
| Beta | 0.24 |
| Rel Volume | 0.29 |
| Avg Volume | 16.00K |
| Volume | 1,541 |
Performance
| Perf Week | -1.32% |
|---|---|
| Perf Month | -0.36% |
| Perf Quarter | -0.15% |
| Perf Half Y | 3.46% |
| Perf YTD | 17.75% |
| Perf Year | 20.87% |
| Perf 3Y | 92.40% |
| Perf 5Y | 45.19% |
| Perf 10Y | 61.75% |
| Recom | 3.00 |
| Target Price | 32.00 |
| Prev Close | 16.40 |
| Price | 16.45 |
| Change % | 0.30% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| AUBN | Auburn National Bancorp Inc | 90.20M |
| SFBS | ServisFirst Bancshares Inc | 4.48B |
| SMBK | SmartFinancial Inc | 818.65M |
| FGBI | First Guaranty Bancshares Inc | 219.01M |
| HFBL | Home Federal Bancorp Inc (Louisiana) | 70.94M |
| CCBG | Capital City Bank Group Inc | 872.13M |
| BOTJ | Bank of the James Financial Group Inc | 117.77M |
| CLST | Catalyst Bancorp Inc | 71.19M |
| RNST | Renasant Corp | 3.59B |
| CBK | Commercial Bancgroup Inc | 454.36M |
Insider trading
latest 14 of 39| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| FIELD Robert C | Director | Sep 10 '26 | Buy | 16.46 | 669 | 11,012 | 13,943 | Sep 11 04:55 PM |
| FIELD Robert C | Director | Sep 11 '26 | Buy | 16.45 | 238 | 3,915 | 14,181 | Sep 11 04:55 PM |
| FIELD Robert C | Director | Sep 09 '26 | Buy | 16.47 | 877 | 14,444 | 13,274 | Sep 10 11:34 AM |
| FIELD Robert C | Director | Sep 08 '26 | Buy | 16.47 | 284 | 4,677 | 12,397 | Sep 10 11:34 AM |
| FIELD Robert C | Director | Sep 04 '26 | Buy | 16.45 | 113 | 1,859 | 12,113 | Sep 04 05:05 PM |
| FIELD Robert C | Director | Sep 03 '26 | Buy | 16.40 | 412 | 6,757 | 12,000 | Sep 04 02:14 PM |
| FIELD Robert C | Director | Sep 01 '26 | Buy | 16.39 | 3,300 | 54,087 | 11,300 | Sep 03 11:02 AM |
| FIELD Robert C | Director | Sep 02 '26 | Buy | 16.40 | 288 | 4,723 | 11,588 | Sep 03 11:02 AM |
| Pierce Staci | Director | Aug 07 '26 | Buy | 16.51 | 245 | 4,045 | 10,850 | Aug 07 04:44 PM |
| Pierce Staci | Director | Aug 04 '26 | Buy | 16.48 | 619 | 10,201 | 10,605 | Aug 05 10:41 AM |
| Pierce Staci | Director | Aug 03 '26 | Buy | 16.53 | 136 | 2,248 | 9,986 | Aug 05 10:41 AM |
| Mabowitz Eric H | SEVP, CRO, CCO, & CRA Officer | Jul 08 '26 | Option Exercise | 12.30 | 11,600 | 142,736 | 23,710 | Jul 09 01:25 PM |
| Dozier Beverly J | SVP,Secr,Ast Trs-FUSB;SVP-Bank | Jul 08 '26 | Option Exercise | 12.06 | 8,100 | 97,716 | 10,619 | Jul 09 12:20 PM |
| Elley Thomas S | SEVP,CFO,Trea,Ast Sec-FUSB | Jul 08 '26 | Option Exercise | 11.71 | 6,300 | 73,773 | 43,080 | Jul 09 12:16 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | - |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | - |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | - |
| DXUV | US Vector Equity Portfolio ETF Class Shares | - |
| DFSU | Dimensional US Sustainability Core 1 ETF | - |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | - |
News
latest 14 of 110- First US Bancshares, Inc. Reports Third Quarter and Year-to-Date 2026 Results: Year-to-Date Diluted EPS Improves by 56% (PR Newswire)
- First US Bancshares, Inc. Declares Cash Dividend (PR Newswire)
- First US Bancshares, Inc. Reports Second Quarter 2026 Results (PR Newswire)
- First US Bancshares, Inc. Declares Cash Dividend (PR Newswire)
- First US Bancshares, Inc. Reports First Quarter 2026 Results (PR Newswire)
- Loading…
- FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND (PR Newswire)
- First US Bancshares, Inc. Reports Fourth Quarter and 2025 Results: Quarter-over-Quarter Net Income Improvement of 10% (PR Newswire)
- First US Bancshares, Inc. Announces Expansion of Share Repurchase Program (PR Newswire)
- FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND (PR Newswire)
- First US Bancshares, Inc. Reports Third Quarter 2025 Results (PR Newswire) +7.49%
- FIRST US BANCSHARES, INC. ELECTS NEW DIRECTOR (PR Newswire)
- FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND (PR Newswire) -6.66%
- First US Bank Welcomes Mac Greene (PR Newswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-29 | - | - | 0.331 | 10.06 | - | - |
| 2025Q4 | 2026-01-28 | - | - | 0.360 | 10.42 | - | - |
| 2025Q3 | 2025-10-29 | - | - | 0.319 | 10.52 | - | - |
| 2025Q2 | 2025-07-30 | - | - | 0.026 | 10.33 | - | - |
| 2025Q1 | 2025-04-30 | - | - | 0.292 | 9.77 | - | - |
| 2024Q4 | 2025-01-27 | - | - | 0.290 | 9.73 | - | - |
| 2024Q3 | 2024-10-24 | - | - | 0.361 | 10.09 | - | - |
| 2024Q2 | 2024-07-24 | - | - | 0.343 | 10.01 | - | - |
| 2024Q1 | 2024-04-24 | - | - | 0.336 | 9.91 | - | - |
| 2023Q4 | 2024-01-25 | - | - | 0.360 | 10.03 | - | - |
| 2023Q3 | 2023-10-25 | - | - | 0.330 | 10.32 | - | - |
| 2023Q2 | 2023-07-26 | - | - | 0.316 | 10.12 | - | - |
| 2023Q1 | 2023-04-26 | - | - | 0.325 | 10.26 | - | - |
| 2022Q4 | 2023-01-25 | - | - | 0.350 | 10.60 | - | - |
| 2022Q3 | 2022-10-26 | - | - | 0.292 | 10.60 | - | - |
| 2022Q2 | 2022-07-27 | - | - | 0.215 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2010FY | 0.340 | 0.743 | 0.340 | 43.25 | 44.37 |
| 2013FY | 0.650 | - | 0.650 | 35.60 | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | -0.067 | 0.374 | 0.672 | 0.404 | 0.66 | 1.055 | 1.331 | 1.335 | 0.998 | 1.351 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.361 | 0.29 | 0.292 | 0.026 | 0.319 | 0.36 | 0.331 | 0.304 | 0.356 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 35.659 | 42.835 | 48.916 | 44.999 | 43.794 | 44.678 | 56.102 | 61.613 | 62.725 | 64.11 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 15.887 | 15.264 | 14.873 | 15.679 | 15.988 | 16.421 | 15.729 | 15.931 | 16.033 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 6.082 | 6.298 | 6.158 | 6.177 | 6.172 | 5.812 | 5.735 | 5.696 | 5.7 | 5.135 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 5.715 | 5.696 | 5.739 | 5.755 | 5.765 | 5.7 | 5.604 | 5.523 | 5.135 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 59.97 | 59.41 | 58.26 | 52.81 | 41.20 | 39.92 | 40.38 | 43.59 | 37.14 |
| Total Interest Expense | 21.98 | 21.96 | 22.11 | 15.46 | 4.26 | 2.95 | 4.61 | 6.65 | 4.35 |
| Net Interest Income | 37.99 | 37.46 | 36.15 | 37.35 | 36.94 | 36.97 | 35.77 | 36.94 | 32.79 |
| Loan Loss Provision | 2.00 | 4.03 | 0.62 | 0.32 | 3.31 | 2.01 | 2.94 | 2.71 | 2.62 |
| Net Interest Income After Loan Loss Provision | 35.99 | 33.43 | 35.53 | 37.03 | 33.63 | 34.96 | 32.82 | 34.23 | 30.17 |
| Non-Interest Income | 4.15 | 3.31 | 3.35 | 3.30 | 3.48 | 3.87 | 4.62 | 5.33 | 5.70 |
| Non-Interest Expense | 30.00 | 28.80 | 28.13 | 29.07 | 28.33 | 32.98 | 33.77 | 33.34 | 30.83 |
| Operating Income | 10.14 | 7.94 | 10.75 | 11.25 | 8.78 | 5.86 | 3.67 | 6.22 | 5.03 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.64 |
| Net Income Before Taxes | 10.14 | 7.94 | 10.75 | 11.27 | 9.01 | 5.73 | 3.53 | 5.81 | 3.39 |
| Income Taxes | 2.35 | 1.94 | 2.58 | 2.79 | 2.15 | 1.27 | 0.82 | 1.25 | 0.90 |
| Consolidated Net Income | 7.79 | 5.99 | 8.17 | 8.48 | 6.86 | 4.45 | 2.71 | 4.57 | 2.49 |
| Net Income From Continuing Operations | 7.79 | 5.99 | 8.17 | 8.48 | 6.86 | 4.45 | 2.71 | 4.57 | 2.49 |
| Net Income | 7.79 | 5.99 | 8.17 | 8.48 | 6.86 | 4.45 | 2.71 | 4.57 | 2.49 |
| EPS (Recurring) | 1.41 | 1.00 | 1.34 | 1.33 | 1.06 | 0.66 | 0.40 | 0.67 | 0.55 |
| EPS (Basic, Before Extraordinaries) | 1.38 | 1.03 | 1.40 | 1.42 | 1.13 | 0.70 | 0.43 | 0.71 | 0.40 |
| EPS (Diluted) | 1.35 | 1.00 | 1.34 | 1.33 | 1.06 | 0.66 | 0.40 | 0.67 | 0.37 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.02 | 0.23 | -0.13 | -0.14 | -0.41 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.58 | 0.59 | 0.49 | 0.60 | 0.38 | 0.32 | 0.31 | 0.26 | 0.35 |
| Price To Earnings Ratio | 12.14 | 12.14 | 9.00 | 7.80 | 9.04 | 16.10 | 22.65 | 17.32 | 21.29 |
| Price To Sales Ratio | 1.42 | 1.34 | 1.25 | 1.17 | 1.26 | 1.63 | 1.34 | 1.61 | 1.24 |
| Operating Margin | 15.82 | 12.65 | 17.45 | 20.06 | 19.65 | 13.37 | 8.16 | 12.72 | 11.75 |
| Net Margin | 12.15 | 9.55 | 13.26 | 15.12 | 15.36 | 10.16 | 6.02 | 9.33 | 5.81 |
| Shares Outstanding | 5.13 | 5.70 | 5.70 | 5.74 | 5.81 | 6.17 | 6.18 | 6.16 | 6.30 |
| Market Capitalization | 83.59 | 83.59 | 71.96 | 60.57 | 50.45 | 65.73 | 55.68 | 72.24 | 50.06 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 15.11 | 14.66 | 14.94 | 15.26 | 15.28 | 14.85 | 14.02 | 14.42 |
| Total Interest Expense | 5.26 | 5.16 | 5.72 | 5.84 | 5.62 | 5.38 | 5.12 | 5.67 |
| Net Interest Income | 9.85 | 9.50 | 9.21 | 9.42 | 9.66 | 9.48 | 8.90 | 8.75 |
| Loan Loss Provision | 0.59 | 0.94 | 0.25 | 0.22 | 0.57 | 2.72 | 0.53 | 0.47 |
| Net Interest Income After Loan Loss Provision | 9.26 | 8.56 | 8.96 | 9.20 | 9.10 | 6.76 | 8.37 | 8.28 |
| Non-Interest Income | 0.93 | 1.27 | 0.79 | 1.16 | 0.71 | 0.83 | 0.85 | 0.84 |
| Non-Interest Expense | 7.67 | 7.60 | 7.29 | 7.43 | 7.28 | 7.42 | 6.90 | 6.81 |
| Operating Income | 2.52 | 2.24 | 2.46 | 2.93 | 2.52 | 0.16 | 2.33 | 2.31 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 2.52 | 2.24 | 2.46 | 2.93 | 2.52 | 0.16 | 2.33 | 2.31 |
| Income Taxes | 0.56 | 0.48 | 0.52 | 0.80 | 0.58 | 0.01 | 0.55 | 0.60 |
| Consolidated Net Income | 1.96 | 1.75 | 1.95 | 2.13 | 1.94 | 0.15 | 1.77 | 1.71 |
| Net Income From Continuing Operations | 1.96 | 1.75 | 1.95 | 2.13 | 1.94 | 0.15 | 1.77 | 1.71 |
| Net Income | 1.96 | 1.75 | 1.95 | 2.13 | 1.94 | 0.15 | 1.77 | 1.71 |
| EPS (Recurring) | 0.36 | 0.30 | 0.33 | 0.36 | 0.32 | 0.03 | 0.29 | 0.29 |
| EPS (Basic, Before Extraordinaries) | 0.36 | 0.31 | 0.34 | 0.37 | 0.33 | 0.03 | 0.30 | 0.30 |
| EPS (Diluted) | 0.36 | 0.30 | 0.33 | 0.36 | 0.32 | 0.03 | 0.29 | 0.29 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.12 | 0.16 | 0.15 | 0.15 | 0.12 | 0.24 | 0.17 | 0.12 |
| Price To Earnings Ratio | 12.14 | 15.98 | 15.34 | 15.07 | 12.41 | 10.03 | 10.05 | 9.00 |
| Price To Sales Ratio | 1.42 | 1.49 | 1.41 | 1.31 | 1.18 | 1.27 | 1.32 | 1.21 |
| Operating Margin | 15.71 | 14.04 | 15.64 | 17.82 | 15.76 | 1.05 | 15.64 | 15.15 |
| Net Margin | 12.22 | 11.00 | 12.37 | 12.97 | 12.11 | 0.99 | 11.91 | 11.23 |
| Shares Outstanding | 5.13 | 5.52 | 5.60 | 5.70 | 5.77 | 5.76 | 5.74 | 5.70 |
| Market Capitalization | 83.59 | 92.14 | 86.45 | 80.56 | 69.23 | 74.02 | 76.98 | 71.96 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 9.40 | 10.63 | 12.99 | 11.84 | 10.84 | 12.23 | 11.94 | 9.80 | 7.58 |
| Investments | 239.29 | 212.81 | 184.64 | 156.40 | 185.67 | 174.82 | 164.97 | 202.81 | 216.75 |
| Net Loans | 842.31 | 812.86 | 811.28 | 764.45 | 700.03 | 638.37 | 545.24 | 514.87 | 346.12 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.86 | 1.51 | 0.88 | 0.77 | 2.15 | 0.95 | 1.08 | 1.50 | 3.79 |
| Net Property, Plant & Equipment | 27.86 | 26.72 | 26.42 | 26.32 | 27.37 | 31.28 | 32.76 | 27.64 | 26.43 |
| Interest Receivables | 3.92 | 3.59 | 3.98 | 3.01 | 2.56 | 2.81 | 2.49 | 2.82 | 2.06 |
| Deferred Tax Assets | 4.44 | 6.00 | 7.24 | 7.25 | 4.26 | 4.33 | 4.52 | 6.11 | 6.02 |
| Other Intangible Assets | 28.32 | 28.90 | 27.42 | 26.73 | 27.23 | 28.07 | 27.52 | 27.89 | 17.26 |
| Total Assets | 1,156.40 | 1,103.03 | 1,074.84 | 996.78 | 960.11 | 892.86 | 790.50 | 793.44 | 626.01 |
| Total Deposits | 1,027.96 | 972.56 | 950.19 | 870.02 | 838.13 | 782.21 | 683.66 | 704.73 | 517.08 |
| Total Debt | 12.59 | 22.84 | 22.85 | 32.73 | 23.02 | 13.49 | 13.60 | 0.53 | 25.59 |
| Long Term Debt | 11.78 | 12.05 | 12.07 | 12.26 | 12.54 | 2.79 | 2.86 | 0.00 | 0.00 |
| Provision for Risks Charges | 0.40 | 0.40 | 0.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 1.61 | 1.94 | 1.90 | 2.12 | 1.81 | 2.35 | 1.77 | 1.50 | 0.43 |
| Other Liabilities | 8.19 | 6.66 | 8.70 | 6.78 | 7.10 | 8.13 | 6.73 | 7.25 | 6.70 |
| Total Liabilities | 1,050.75 | 1,004.40 | 984.25 | 911.65 | 870.05 | 806.18 | 705.76 | 714.01 | 549.80 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 105.65 | 98.62 | 90.59 | 85.14 | 90.06 | 86.68 | 84.75 | 79.45 | 76.22 |
| Total Shareholders Equity | 105.65 | 98.62 | 90.59 | 85.14 | 90.06 | 86.68 | 84.75 | 79.45 | 76.22 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.01 | -0.01 |
| Total Equity | 105.65 | 98.62 | 90.59 | 85.14 | 90.06 | 86.68 | 84.75 | 79.44 | 76.21 |
| Total Liabilities & Stockholders Equity | 1,156.40 | 1,103.03 | 1,074.84 | 996.78 | 960.11 | 892.86 | 790.50 | 793.44 | 626.01 |
| Book Value Per Share | 18.54 | 17.31 | 15.80 | 14.65 | 14.59 | 14.03 | 13.76 | 12.61 | 12.53 |
| Tangible Book Value Per Share | 17.23 | 16.00 | 14.47 | 13.31 | 13.28 | 12.67 | 12.33 | 11.14 | 12.53 |
| Tier 1 Capital | 102.95 | 103.03 | 98.22 | 92.85 | 87.38 | 77.51 | 74.38 | 70.18 | 74.38 |
| Tier 2 Capital | 11.11 | 10.56 | 11.08 | 9.42 | 8.32 | 7.47 | 5.76 | 5.05 | 4.77 |
| Full-Time Employees | 152 | 151 | 153 | 149 | 175 | 189 | 280 | 270 | 249 |
| Price to Book Ratio | 0.87 | 0.73 | 0.69 | 0.61 | 0.72 | 0.64 | 0.84 | 0.63 | 0.99 |
| Return on Assets | 0.53 | 0.75 | 0.82 | 0.70 | 0.48 | 0.32 | 0.58 | 0.35 | -0.07 |
| Return on Equity | 5.87 | 8.64 | 9.66 | 7.84 | 5.04 | 3.16 | 5.56 | 3.20 | -0.54 |
| Return on Invested Capital | 5.10 | 7.38 | 8.26 | 7.05 | 4.34 | 3.03 | 5.21 | 3.13 | -0.54 |
| Current Ratio | 0.18 | 0.13 | 0.19 | 0.12 | 0.36 | 0.60 | 0.57 | 0.57 | 0.43 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 10.81 | 11.49 | 10.36 | 12.96 | 12.57 | 8.79 | 9.14 | 11.82 | 9.83 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 0.32 | 0.84 | -2.60 | 0.10 | -0.04 | 1.03 | -3.04 | -0.51 | -1.76 |
| Cash from Operating Activities | 11.12 | 12.32 | 7.76 | 13.07 | 12.53 | 9.82 | 6.09 | 11.31 | 8.06 |
| Capital Expenditures | -2.28 | -3.24 | -2.10 | -1.46 | -1.26 | -0.82 | -0.95 | -3.18 | -1.55 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -19.01 |
| Sale of Fixed Assets and Businesses | 1.93 | 1.97 | 0.87 | 0.50 | 3.08 | 2.06 | 2.62 | 1.26 | 3.10 |
| Purchase or Sale of Investments | -34.70 | 7.40 | -25.25 | -9.99 | -11.60 | -44.71 | 28.59 | 46.51 | 36.55 |
| Purchase of Investments | -81.02 | -43.62 | -57.96 | -22.60 | -40.94 | -86.64 | -36.33 | -10.82 | -19.68 |
| Sale Or Maturity of Investments | 46.32 | 51.03 | 32.70 | 12.61 | 29.34 | 41.94 | 64.92 | 57.33 | 56.23 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -16.13 | -28.12 | -30.35 | -60.45 | -80.20 | -108.31 | -66.06 | 9.72 | 2.70 |
| Cash Dividends Paid | -1.54 | -1.61 | -1.26 | -1.18 | -0.83 | -0.74 | -0.74 | -0.56 | -0.49 |
| Change in Capital Stock | -11.28 | -1.76 | -1.64 | -1.42 | -4.48 | -0.53 | -0.45 | -1.48 | 0.00 |
| Repurchase of Common Pref Stock | -11.28 | -1.76 | -1.64 | -1.42 | -4.48 | -0.53 | -0.45 | -1.48 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 10.00 | -10.00 | 0.00 | -10.04 | 9.99 | 10.68 | -0.01 | 9.50 | -35.07 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 10.65 | 0.00 | 0.00 | -10.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 10.65 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -10.00 |
| Net Financing Active Other Cash Flow | 2.12 | 0.09 | 0.06 | -0.03 | 0.00 | -0.01 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | - | -0.03 | 0.00 | -0.01 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 11.90 | 42.13 | 19.52 | 67.51 | 36.58 | 65.32 | 97.35 | -13.61 | 11.71 |
| Net Change in Cash | 6.89 | 26.33 | -3.06 | 20.13 | -31.09 | -33.17 | 37.38 | 7.43 | 22.48 |
| Free Cash Flow | 8.84 | 9.08 | 5.66 | 11.60 | 11.27 | 9.00 | 5.14 | 8.13 | 6.51 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 12.45 | 11.22 | 17.52 | 6.30 | 5.41 | 8.63 | 13.74 | 10.43 | 8.79 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.47 | -0.06 | 0.16 | -0.49 | 0.27 | 0.00 | -0.43 | 1.47 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 10.86 | 11.71 | 9.74 | 9.40 | 10.69 | 9.38 |
| Investments | 254.96 | 221.38 | 260.77 | 239.29 | 214.78 | 208.61 |
| Net Loans | 834.05 | 849.75 | 833.16 | 842.31 | 856.82 | 860.04 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 28.47 | 28.74 | 27.76 | 27.86 | 28.17 | 28.23 |
| Interest Receivables | 3.90 | 3.98 | 3.96 | 3.92 | 3.93 | 3.87 |
| Deferred Tax Assets | 3.90 | 2.90 | 2.70 | 4.44 | 2.90 | 3.20 |
| Other Intangible Assets | 27.98 | 28.03 | 26.53 | 28.32 | 28.23 | 28.25 |
| Total Assets | 1,164.84 | 1,147.62 | 1,165.24 | 1,156.40 | 1,147.17 | 1,143.38 |
| Total Deposits | 1,015.07 | 997.96 | 1,038.85 | 1,027.96 | 1,002.47 | 986.85 |
| Total Debt | 42.50 | 37.57 | 12.52 | 12.59 | 32.66 | 47.72 |
| Long Term Debt | 12.38 | 12.35 | 12.21 | 11.78 | 12.55 | 12.51 |
| Provision for Risks Charges | 0.30 | 0.46 | 0.33 | 0.40 | 0.37 | 0.46 |
| Deferred Tax Liabilities | - | - | - | 1.61 | - | - |
| Other Liabilities | 10.35 | 7.35 | 8.90 | 8.19 | 7.44 | 6.47 |
| Total Liabilities | 1,068.22 | 1,043.33 | 1,060.60 | 1,050.75 | 1,042.94 | 1,041.49 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 96.62 | 104.28 | 104.63 | 105.65 | 104.24 | 101.89 |
| Total Shareholders Equity | 96.62 | 104.28 | 104.63 | 105.65 | 104.24 | 101.89 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 96.62 | 104.28 | 104.63 | 105.65 | 104.24 | 101.89 |
| Total Liabilities & Stockholders Equity | 1,164.84 | 1,147.62 | 1,165.24 | 1,156.40 | 1,147.17 | 1,143.38 |
| Book Value Per Share | 18.82 | 18.88 | 18.67 | 18.54 | 18.08 | 17.70 |
| Tangible Book Value Per Share | 17.37 | 17.54 | 17.34 | 17.23 | 16.79 | 16.41 |
| Tier 1 Capital | - | - | - | 102.95 | - | - |
| Full-Time Employees | 152 | 152 | 153 | 152 | 151 | 148 |
| Price to Book Ratio | 0.87 | 0.89 | 0.83 | 0.77 | 0.68 | 0.73 |
| Return on Assets | 0.67 | 0.68 | 0.54 | 0.53 | 0.50 | 0.53 |
| Return on Equity | 7.75 | 7.53 | 5.99 | 5.87 | 5.50 | 5.99 |
| Return on Invested Capital | 1.80 | 1.50 | 1.66 | 1.81 | 1.66 | 0.14 |
| Current Ratio | 0.18 | 0.18 | 0.25 | 0.18 | 0.17 | 0.17 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 2.84 | 2.62 | 2.82 | 2.52 | 2.96 | 2.85 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 1.04 | -1.93 | 1.28 | -0.07 | 1.26 | 1.05 |
| Cash from Operating Activities | 3.88 | 0.70 | 4.10 | 2.44 | 4.22 | 3.90 |
| Capital Expenditures | -0.17 | -1.34 | -0.47 | -0.30 | -0.62 | -2.25 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.34 | 0.30 | 0.24 | 1.05 | 0.29 | 0.20 |
| Purchase or Sale of Investments | -33.53 | 29.46 | -27.82 | -2.80 | -6.14 | 6.61 |
| Purchase of Investments | -45.91 | 9.04 | -34.47 | -9.67 | -24.31 | -9.64 |
| Sale Or Maturity of Investments | 12.38 | 20.42 | 6.64 | 6.87 | 18.17 | 16.25 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -18.70 | 9.41 | -19.29 | 12.45 | -3.68 | -20.57 |
| Cash Dividends Paid | -0.36 | -0.39 | -0.40 | -0.40 | -0.40 | -0.40 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -6.41 | -1.44 | -2.20 | -1.23 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | -6.41 | -1.44 | -2.20 | -1.23 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 5.00 | 25.00 | 0.00 | -20.00 | -15.00 | -10.00 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 2.13 | -0.04 | -0.07 | 0.10 | -0.03 | 0.09 |
| Other Financing Activities Uses | -0.04 | -0.04 | -0.07 | - | - | - |
| Cash from Financing Activities | 17.47 | -17.76 | 8.22 | 3.97 | 0.19 | 14.58 |
| Net Change in Cash | 2.64 | -7.65 | -6.96 | 18.86 | 0.73 | -2.09 |
| Free Cash Flow | 3.71 | -0.64 | 3.63 | 2.15 | 3.60 | 1.65 |
| Price to Free Cash Flow | 12.45 | 13.33 | 9.54 | 11.05 | 9.72 | 14.74 |
Revenue breakdown
| State Commercial Banks | 2024: 1.23M 2025: 1.14M |
|---|---|
| United States | 2024: 1.23M 2025: 1.14M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.18% | 0.0M | 4.4M | 15.93K |
| 2026-10-15 | 0.17% | 0.0M | 4.7M | 16.49K |
| 2026-09-30 | 0.17% | 0.0M | 4.7M | 15.98K |
| 2026-09-15 | 0.22% | 0.0M | 4.7M | 14.93K |
| 2026-08-31 | 0.20% | 0.0M | 4.7M | 14.33K |
| 2026-08-14 | 0.19% | 0.0M | 4.4M | 4.79K |
| 2026-07-31 | 0.23% | 0.0M | 4.4M | 4.67K |
| 2026-07-15 | 0.21% | 0.0M | 4.5M | 4.20K |
| 2026-06-30 | 0.24% | 0.0M | 4.5M | 5.28K |
| 2026-06-15 | 0.18% | 0.0M | 4.5M | 6.19K |
| 2026-05-29 | 0.17% | 0.0M | 4.5M | 6.52K |
| 2026-05-15 | 0.15% | 0.0M | 4.5M | 6.18K |
| 2026-04-30 | 0.16% | 0.0M | 4.5M | 6.85K |
| 2026-04-15 | 0.18% | 0.0M | 4.6M | 7.41K |
| 2026-03-31 | 0.16% | 0.0M | 4.6M | 7.36K |
| 2026-03-13 | 0.17% | 0.0M | 4.6M | 7.09K |
| 2026-02-27 | 0.16% | 0.0M | 4.7M | 8.13K |
| 2026-02-13 | 0.11% | 0.0M | 4.7M | 9.16K |
| 2026-01-30 | 0.13% | 0.0M | 4.7M | 8.90K |
| 2026-01-15 | 0.11% | 0.0M | 4.7M | 8.13K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-05 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-28 | 8-K | Current report | 2026-10-28 | SEC |
| 2026-10-28 | 8-K | Current report | 2026-10-28 | SEC |
| 2026-10-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-10-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-10-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-10-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-10-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-10-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-10-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-10-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-09-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-10 | SEC |
| 2026-09-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-08 | SEC |
| 2026-09-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-04 | SEC |
| 2026-09-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-03 | SEC |
| 2026-09-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-01 | SEC |
| 2026-08-28 | SCHEDULE 13D/A | SEC | ||
| 2026-08-07 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-07 | SEC |
| 2026-08-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-03 | SEC |
| 2026-07-29 | 8-K | Current report | 2026-07-29 | SEC |
| 2026-07-29 | 8-K | Current report | 2026-07-29 | SEC |
| 2026-07-09 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-08 | SEC |
| 2026-07-09 | 3/A | 2020-02-26 | SEC | |
| 2026-07-09 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-08 | SEC |
| 2026-07-09 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-08 | SEC |
| 2026-07-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-30 | SEC |
| 2026-07-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-30 | SEC |
| 2026-07-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-30 | SEC |
| 2026-07-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-30 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 101.47K | 8 | 0 | 0 |
| 2026-08 | 16.49K | 3 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 12.45K | 1 | 12.45K | 1 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 23.92K | 2 | 0 | 0 |
| 2025-11 | 287.76K | 14 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| GENDELL JEFFREY L | 7.14% |
| VANGUARD CAPITAL MANAGEMENT LLC | 1.91% |
| RENAISSANCE TECHNOLOGIES LLC | 1.42% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.99% |
| Pinnacle Holdings, LLC | 0.95% |
| REGIONS FINANCIAL CORP | 0.73% |
| NORTHERN TRUST CORP | 0.62% |
| DIMENSIONAL FUND ADVISORS LP | 0.60% |
| VANGUARD FIDUCIARY TRUST CO | 0.56% |
| BlackRock, Inc. | 0.53% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD EXTENDED MARKET INDEX FUND | 1.04% |
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 0.74% |
| Fidelity Extended Market Index Fund | 0.47% |
| iShares Micro-Cap ETF | 0.30% |
| U.S. CORE EQUITY 2 PORTFOLIO | 0.20% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.19% |
| Fidelity Total Market Index Fund | 0.17% |
| Fidelity Series Total Market Index Fund | 0.14% |
| Small Cap Core Fund | 0.13% |
| Omni Small-Cap Value Fund | 0.12% |
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