FUSB (First US Bancshares) Debt-to-Asset : 0.01 (As of Mar. 2026)

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FUSB First US Bancshares Inc FUSB
62 GF Score
Price $16.50
GF Value $12.86
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First US Bancshares Debt-to-Asset?

First US Bancshares FUSB -0.42% 62 Debt-to-Asset is 0.01 as of Mar. 2026. GuruFocus rates FUSB with a GF Score™ of 62/100 and a GF Value™ of $12.86 (Modestly Overvalued). The stock has 6 warning signs investors should review.

First US Bancshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $0.00 Mil. First US Bancshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $10.96 Mil. First US Bancshares's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Mar. 2026 was $1,165.24 Mil. First US Bancshares's debt to asset for the quarter that ended in Mar. 2026 was 0.01.

First US Bancshares  (NAS:FUSB) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

First US Bancshares Debt-to-Asset Related Terms

First US Bancshares Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for First US Bancshares's Debt-to-Asset 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.

First US Bancshares Debt-to-Asset Chart

First US Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.03 0.02 0.02 0.01

First US Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.03 0.03 0.02 0.01 0.01

FUSB vs SSBI, CBKM, PBKC: Debt-to-Asset Comparison

For the Banks - Regional subindustry, First US Bancshares's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, First US Bancshares's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where First US Bancshares's Debt-to-Asset falls into.


FUSB
62GF Score
First US Bancshares Inc FUSB
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First US Bancshares Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

First US Bancshares's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 10.945) / 1154.785
=0.01

First US Bancshares's Debt-to-Asset for the quarter that ended in Mar. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 10.963) / 1165.236
=0.01

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.01 mean?
First US Bancshares (FUSB) has a Debt-to-Asset of 0.01 as of Mar. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on First US Bancshares and its competitors.
Is First US Bancshares' Debt-to-Asset too high?
First US Bancshares' current Debt-to-Asset is 0.01. 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' Debt-to-Asset compare to SSBI and CBKM?
First US Bancshares' Debt-to-Asset of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on First US Bancshares and its competitors. First US Bancshares's current Debt-to-Asset is 0.01. 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 $12.86, compared to a current price of $16.50 — trading 28.3% above its estimated fair value. The current Debt-to-Asset is 0.01. 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 Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For First US Bancshares (FUSB), the current Debt-to-Asset is 0.01 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 28.3% above its estimated GF Value™ of $12.86. GuruFocus considers First US Bancshares to be Modestly Overvalued.

Key valuation signals for FUSB:

  • Debt-to-Asset: 0.01
  • GF Value™: $12.86 vs. price of $16.50 (28.3% above fair value)
  • GF Score™: 62/100 with 6 warning signs

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 Business Description

Other Exchanges UNE:Germany
Address 3291 U.S. Highway 280, Suite 100, Birmingham, AL, USA, 35243
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

Get the complete analysis for FUSB

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.50
Price
$12.86
GF Value