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First US BancsharesFUSB -0.15%62 Cash-to-Debt is 6.07 as of Mar. 2026, which is 155% above its 10-year median of 2.38. 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 1,487 Banks companies, First US Bancshares ranks better than 79.49% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. First US Bancshares's cash to debt ratio for the quarter that ended in Mar. 2026 was 6.07.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, First US Bancsharescould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for First US Bancshares's Cash-to-Debt or its related term are showing as below:
FUSB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.73 Med: 2.38 Max: No Debt
Current: 6.07
During the past 13 years, First US Bancshares's highest Cash to Debt Ratio was No Debt. The lowest was 0.73. And the median was 2.38.
FUSB's Cash-to-Debt is ranked better than 79.49% of 1487
companies
in the Banks industry
Industry Median: 1.42
vs FUSB: 6.07
First US Bancshares (NAS:FUSB) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
First US Bancshares Cash-to-Debt Related Terms
First US Bancshares Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for First US Bancshares's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, First US Bancshares's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, First US Bancshares's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where First US Bancshares's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First US Bancshares (FUSB) has a Cash-to-Debt of 6.07 as of Mar. 2026. This is 155% above median its historical median of 2.38. Over the past decade, First US Bancshares' Cash-to-Debt has ranged from 0.73 to 10,000.00. According to the industry distribution chart, First US Bancshares ranks #305 out of 1487 companies in the Banks industry, placing it in the top 20.5%.
Is First US Bancshares' Cash-to-Debt too high?
First US Bancshares' current Cash-to-Debt of 6.07 is 155% above median its 10-year median of 2.38. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.42. First US Bancshares' value of 6.07 is 327.5% above this industry median. Based on the distribution chart, First US Bancshares ranks #305 out of 1487 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Cash-to-Debt compare to PBKC and MFBP?
According to the Banks industry distribution chart, First US Bancshares ranks #305 out of 1487 companies for Cash-to-Debt. This places First US Bancshares in the top 21% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.42. First US Bancshares' value of 6.07 is 327.5% above this benchmark. Historically, First US Bancshares' own Cash-to-Debt has ranged from 0.73 to 10,000.00 over the past decade. While the company's 10-year median is 2.38 vs. the industry median of 1.42, First US Bancshares has consistently been above 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.42, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First US Bancshares's current Cash-to-Debt of 6.07 is 327.5% above 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First US Bancshares's current Cash-to-Debt is 6.07, which is 155% above median its own 10-year median of 2.38. 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 $16.48 — trading 28% above its estimated fair value. The current Cash-to-Debt is 6.07, which is 155% above median its 10-year median of 2.38 and 327.5% above the Banks industry median of 1.42. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For First US Bancshares (FUSB), the current Cash-to-Debt is 6.07 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 $16.48 is trading 28% above its estimated GF Value™ of $12.87.
GuruFocus considers First US Bancshares to be Modestly Overvalued.
Key valuation signals for FUSB:
Cash-to-Debt: 6.07 (155% above median its 10-year median of 2.38)
GF Value™: $12.87 vs. price of $16.48 (28% above fair value)
Industry Position: 327.5% above the Banks median (#305 of 1487)
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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