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First US BancsharesFUSB 62 3-Year Book Growth Rate is 8.20% as of Mar. 2026, which is 110% above its 10-year median of 3.90. GuruFocus rates FUSB with a GF Score™ of 62/100 and a GF Value™ of $12.87 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,498 Banks companies, First US Bancshares ranks worse than 54.07% on this metric.
During the past 12 months, First US Bancshares's average Book Value per Share Growth Rate was 5.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 8.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 5.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 3.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of First US Bancshares was 33.80% per year. The lowest was -6.10% per year. And the median was 3.90% per year.
First US Bancshares (NAS:FUSB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
First US Bancshares 3-Year Book Growth Rate Related Terms
FUSB vs PBKC, MFBP, BCOW: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, First US Bancshares's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First US Bancshares 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First US Bancshares's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where First US Bancshares's 3-Year Book Growth Rate falls into.
First US Bancshares 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 8.20% mean?
First US Bancshares (FUSB) has a 3-Year Book Growth Rate of 8.20% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First US Bancshares and its competitors. This is 110% above median its historical median of 3.90. According to the industry distribution chart, First US Bancshares ranks #810 out of 1498 companies in the Banks industry, placing it in the top 54.1%.
Is First US Bancshares' 3-Year Book Growth Rate too high?
First US Bancshares' current 3-Year Book Growth Rate of 8.20% is 110% above median its 10-year median of 3.90. The Banks industry median 3-Year Book Growth Rate is 8.70. First US Bancshares' value of 8.20% is 5.7% below this industry median. Based on the distribution chart, First US Bancshares ranks #810 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, First US Bancshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First US Bancshares' 3-Year Book Growth Rate compare to PBKC and MFBP?
According to the Banks industry distribution chart, First US Bancshares ranks #810 out of 1498 companies for 3-Year Book Growth Rate. This places First US Bancshares in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. First US Bancshares' value of 8.20% is 5.7% below this benchmark. While the company's 10-year median is 3.90 vs. the industry median of 8.70, First US Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First US Bancshares's current 3-Year Book Growth Rate of 8.20% is 5.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First US Bancshares and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First US Bancshares's current 3-Year Book Growth Rate is 8.20%, which is 110% above median its own 10-year median of 3.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First US Bancshares stock overvalued right now?
Based on GuruFocus' analysis, First US Bancshares (FUSB) is currently considered Modestly Overvalued. The stock's GF Value™ is $12.87, compared to a current price of $16.50 — trading 28.2% above its estimated fair value. The current 3-Year Book Growth Rate is 8.20%, which is 110% above median its 10-year median of 3.90 and 5.7% below the Banks industry median of 8.70. First US Bancshares' overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For First US Bancshares (FUSB), the current 3-Year Book Growth Rate is 8.20% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First US Bancshares (FUSB) Overvalued in 2026?
Based on GuruFocus' analysis, First US Bancshares stock appears to be overvalued.
The current stock price of $16.50 is trading 28.2% above its estimated GF Value™ of $12.87.
GuruFocus considers First US Bancshares to be Modestly Overvalued.
Key valuation signals for FUSB:
3-Year Book Growth Rate: 8.20% (110% above median its 10-year median of 3.90)
GF Value™: $12.87 vs. price of $16.50 (28.2% above fair value)
Industry Position: 5.7% below the Banks median (#810 of 1498)
No single metric tells the full story. See the FUSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First US Bancshares Inc is a bank holding company. The Bank conducts general commercial banking business and offers banking services such as demand, savings, individual retirement accounts, and time deposits, personal and commercial loans, safe deposit box services, and remote deposit capture. The Bank provides a range of commercial banking services to small and medium-sized businesses, property managers, business executives, professionals, and other individuals.
62GF Score
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