First US BancsharesFUSB -0.09%62 EV-to-OCF is 2.47 as of Jul. 11, 2026, which is 11% below its 10-year median of 2.79. GuruFocus rates FUSB with a GF Score™ of 62/100 and a GF Value™ of $12.85 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,501 Banks companies, First US Bancshares ranks better than 54.7% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, First US Bancshares's Enterprise Value is $36.29 Mil.
First US Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $14.67 Mil. Therefore, First US Bancshares's EV-to-OCF for today is 2.47.
The historical rank and industry rank for First US Bancshares's EV-to-OCF or its related term are showing as below:
FUSB'
s EV-to-OCF Range Over the Past 10 Years
Min: -7.55 Med: 2.79 Max: 11.63
Current: 2.47
During the past 13 years, the highest EV-to-OCF of First US Bancshares was 11.63. The lowest was -7.55. And the median was 2.79.
FUSB's EV-to-OCF is ranked better than 54.7% of 1501
companies
in the Banks industry
Industry Median: 3.64
vs FUSB: 2.47
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First US Bancshares (NAS:FUSB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First US Bancshares's PE Ratio (TTM) for today is calculated as:
First US Bancshares's share price for today is $16.51.
First US Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.040.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First US Bancshares EV-to-OCF Related Terms
First US Bancshares EV-to-OCF Historical Data
* Premium members only.
The historical data trend for First US Bancshares's EV-to-OCF 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.
For the Banks - Regional subindustry, First US Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First US Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First US Bancshares's EV-to-OCF falls into.
First US Bancshares's current Enterprise Value is $36.29 Mil.
First US Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $14.67 Mil.
* 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 EV-to-OCF of 2.47 as of Jul. 11, 2026. This is 11% below median its historical median of 2.79. According to the industry distribution chart, First US Bancshares ranks #680 out of 1501 companies in the Banks industry, placing it in the top 45.3%.
Is First US Bancshares' EV-to-OCF too high?
First US Bancshares' current EV-to-OCF of 2.47 is 11% below median its 10-year median of 2.79. The Banks industry median EV-to-OCF is 3.64. First US Bancshares' value of 2.47 is 32.1% below this industry median. Based on the distribution chart, First US Bancshares ranks #680 out of 1501 companies in the Banks industry, which is above 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' EV-to-OCF compare to SSBI and CBKM?
According to the Banks industry distribution chart, First US Bancshares ranks #680 out of 1501 companies for EV-to-OCF. This puts First US Bancshares in the upper half of its industry. The industry median EV-to-OCF is 3.64. First US Bancshares' value of 2.47 is 32.1% below this benchmark. While the company's 10-year median is 2.79 vs. the industry median of 3.64, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.64, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First US Bancshares's current EV-to-OCF of 2.47 is 32.1% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First US Bancshares's current EV-to-OCF is 2.47, which is 11% below median its own 10-year median of 2.79. 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 $12.85, compared to a current price of $16.51 — trading 28.5% above its estimated fair value. The current EV-to-OCF is 2.47, which is 11% below median its 10-year median of 2.79 and 32.1% below the Banks industry median of 3.64. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First US Bancshares (FUSB), the current EV-to-OCF is 2.47 as of Jul. 11, 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 $16.51 is trading 28.5% above its estimated GF Value™ of $12.85.
GuruFocus considers First US Bancshares to be Modestly Overvalued.
Key valuation signals for FUSB:
EV-to-OCF: 2.47 (11% below median its 10-year median of 2.79)
GF Value™: $12.85 vs. price of $16.51 (28.5% above fair value)
Industry Position: 32.1% below the Banks median (#680 of 1501)
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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