FUSB (First US Bancshares) Moat Score: 3/10 (As of Jun. 25, 2026)


FUSB First US Bancshares Inc FUSB
63 GF Score
Price $16.35
GF Value $12.83
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First US Bancshares Moat Score?

First US Bancshares FUSB +0.17% 63 Moat Score is 3 as of Jun. 25, 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. Among 1,609 Banks companies, First US Bancshares ranks better than 74.39% on this metric.

First US Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

First US Bancshares has No Moat: First US Bancshares Inc operates in a highly competitive banking sector with limited market leadership and no significant customer switching costs. The company lacks strong brand strength, durable cost advantages, or significant regulatory barriers. Its market share is modest, and it does not possess a superior distribution network or impactful innovation capabilities.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First US Bancshares might have No Moat - Very weak/transient advantages.

First US Bancshares  (NAS:FUSB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First US Bancshares Moat Score Related Terms

FUSB vs BYFC, UBCP, CIWV: Moat Score Comparison

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

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

* The bar in red indicates where First US Bancshares's Moat Score falls into.


FUSB
63GF Score
First US Bancshares Inc FUSB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
First US Bancshares (FUSB) has a Moat Score of 3 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First US Bancshares ranks #412 out of 1609 companies in the Banks industry, placing it in the top 25.6%.
Is First US Bancshares' Moat Score too high?
First US Bancshares' current Moat Score is 3. Based on the distribution chart, First US Bancshares ranks #412 out of 1609 companies in the Banks industry, which is above the industry midpoint. 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' Moat Score compare to BYFC and UBCP?
According to the Banks industry distribution chart, First US Bancshares ranks #412 out of 1609 companies for Moat Score. This puts First US Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First US Bancshares's current Moat Score is 3. 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 $16.35 — trading 27.4% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First US Bancshares (FUSB), the current Moat Score is 3 as of Jun. 25, 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 $16.35 is trading 27.4% above its estimated GF Value™ of $12.83. GuruFocus considers First US Bancshares to be Modestly Overvalued.

Key valuation signals for FUSB:

  • Moat Score: 3
  • GF Value™: $12.83 vs. price of $16.35 (27.4% 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

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

$16.35
Price
$12.83
GF Value