FUSB (First US Bancshares) E10: $0.81 (As of Mar. 2026)


FUSB First US Bancshares Inc FUSB
63 GF Score
Price $16.32
GF Value $12.83
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First US Bancshares E10?

First US Bancshares FUSB -0.17% 63 E10 is $0.81 as of Mar. 2026. GuruFocus rates FUSB with a GF Score™ of 63/100 and a GF Value™ of $12.83 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

First US Bancshares's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.330. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.81 for the trailing ten years ended in Mar. 2026.

During the past 12 months, First US Bancshares's average E10 Growth Rate was 11.00% per year. During the past 3 years, the average E10 Growth Rate was 10.50% per year. During the past 5 years, the average E10 Growth Rate was 24.90% per year. During the past 10 years, the average E10 Growth Rate was 15.60% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of First US Bancshares was 78.60% per year. The lowest was -38.00% per year. And the median was -13.20% per year.

As of today (2026-06-25), First US Bancshares's current stock price is $16.322. First US Bancshares's E10 for the quarter that ended in Mar. 2026 was $0.81. First US Bancshares's Shiller PE Ratio of today is 20.15.

During the past 13 years, the highest Shiller PE Ratio of First US Bancshares was 159.00. The lowest was 11.47. And the median was 41.50.


First US Bancshares  (NAS:FUSB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

First US Bancshares's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=16.322/0.81
=20.15

* 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.

During the past 13 years, the highest Shiller P/E Ratio of First US Bancshares was 159.00. The lowest was 11.47. And the median was 41.50.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


First US Bancshares E10 Related Terms


First US Bancshares E10 Historical Data

* Premium members only.

The historical data trend for First US Bancshares's E10 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 E10 Chart

First US Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.48 0.57 0.63 0.71 0.77

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
E10 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 0.73 0.72 0.75 0.77 0.81

FUSB vs BYFC, UBCP, CIWV: E10 Comparison

For the Banks - Regional subindustry, First US Bancshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, First US Bancshares's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where First US Bancshares's Shiller PE Ratio falls into.


FUSB
63GF Score
First US Bancshares Inc FUSB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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First US Bancshares E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, First US Bancshares's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.33/330.2130*330.2130
=0.330

Current CPI (Mar. 2026) = 330.2130.

First US Bancshares Quarterly Data

per share eps CPI Adj_EPS
201606 0.070 241.018 0.096
201609 0.090 241.428 0.123
201612 -0.020 241.432 -0.027
201703 0.060 243.801 0.081
201706 0.060 244.955 0.081
201709 0.100 246.819 0.134
201712 -0.300 246.524 -0.402
201803 0.060 249.554 0.079
201806 0.060 251.989 0.079
201809 0.030 252.439 0.039
201812 0.220 251.233 0.289
201903 0.180 254.202 0.234
201906 0.150 256.143 0.193
201909 0.160 256.759 0.206
201912 0.180 256.974 0.231
202003 0.130 258.115 0.166
202006 0.060 257.797 0.077
202009 0.060 260.280 0.076
202012 0.150 260.474 0.190
202103 0.140 264.877 0.175
202106 0.140 271.696 0.170
202109 0.130 274.310 0.156
202112 0.250 278.802 0.296
202203 0.200 287.504 0.230
202206 0.220 296.311 0.245
202209 0.290 296.808 0.323
202212 0.350 296.797 0.389
202303 0.330 301.836 0.361
202306 0.310 305.109 0.336
202309 0.330 307.789 0.354
202312 0.360 306.746 0.388
202403 0.340 312.332 0.359
202406 0.340 314.175 0.357
202409 0.360 315.301 0.377
202412 0.290 315.605 0.303
202503 0.290 319.799 0.299
202506 0.030 322.561 0.031
202509 0.320 324.800 0.325
202512 0.360 324.054 0.367
202603 0.330 330.213 0.330

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.81 mean?
First US Bancshares (FUSB) has a E10 of $0.81 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on First US Bancshares and its competitors.
Is First US Bancshares' E10 too high?
First US Bancshares' current E10 is $0.81. Overall, First US Bancshares has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First US Bancshares' E10 compare to BYFC and UBCP?
First US Bancshares' E10 of $0.81 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on First US Bancshares and its competitors. First US Bancshares's current E10 is $0.81. 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 $12.83, compared to a current price of $16.32 — trading 27.2% above its estimated fair value. The current E10 is $0.81. First US Bancshares' overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For First US Bancshares (FUSB), the current E10 is $0.81 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 $16.32 is trading 27.2% above its estimated GF Value™ of $12.83. GuruFocus considers First US Bancshares to be Modestly Overvalued.

Key valuation signals for FUSB:

  • E10: $0.81
  • GF Value™: $12.83 vs. price of $16.32 (27.2% above fair value)
  • GF Score™: 63/100 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.
63GF Score

Get the complete analysis for FUSB

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.32
Price
$12.83
GF Value