FIRST US BANCSHARES, INC. (FUSB)
State Commercial Banks · Financial Services · $91M
Intrinsic Value (Consensus)
$17.68
Current Price
$16.25
Margin of Safety
+8.8%
8.8% Below Intrinsic Value
Value: $18
Price: $16
Valuation Model Estimates
Current Price: $16.25
DCF (Discounted Cash Flow)
$76.01
Graham Number
Not applicable
—
Earnings Power Value
$9.71
Relative Value (P/E)
$20.00
Dividend Discount Model
$23.33
Consensus Value
$17.68
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
52
Profitability
10/25
Strength
17/25
Valuation
15/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (10.0%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.00
- EPS (Forward)
- $1.20
- Book Value
- —
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- N/A
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.4%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance