First US BancsharesFUSB -0.17%63 ROE % is 7.40% as of Mar. 2026, which is 40% above its 10-year median of 5.30. 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 1,523 Banks companies, First US Bancshares ranks worse than 77.22% on this metric.
The historical rank and industry rank for First US Bancshares's ROE % or its related term are showing as below:
FUSB'
s ROE % Range Over the Past 10 Years
Min: -0.54 Med: 5.3 Max: 9.66
Current: 5.95
During the past 13 years, First US Bancshares's highest ROE % was 9.66%. The lowest was -0.54%. And the median was 5.30%.
FUSB's ROE % is ranked worse than 77.22% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs FUSB: 5.95
First US Bancshares (NAS:FUSB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
First US Bancshares ROE % Related Terms
First US Bancshares ROE % Historical Data
* Premium members only.
The historical data trend for First US Bancshares's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, First US Bancshares's ROE % distribution charts can be found below:
* The bar in red indicates where First US Bancshares's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
First US Bancshares (FUSB) has a ROE % of 7.40% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First US Bancshares and its competitors. This is 40% above median its historical median of 5.30. According to the industry distribution chart, First US Bancshares ranks #1176 out of 1523 companies in the Banks industry, placing it in the top 77.2%.
Is First US Bancshares' ROE % too high?
First US Bancshares' current ROE % of 7.40% is 40% above median its 10-year median of 5.30. The Banks industry median ROE % is 10.22. First US Bancshares' value of 7.40% is 27.6% below this industry median. Based on the distribution chart, First US Bancshares ranks #1176 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' ROE % compare to BYFC and UBCP?
According to the Banks industry distribution chart, First US Bancshares ranks #1176 out of 1523 companies for ROE %. This places First US Bancshares in the lower half of its industry. The industry median ROE % is 10.22. First US Bancshares' value of 7.40% is 27.6% below this benchmark. While the company's 10-year median is 5.30 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First US Bancshares's current ROE % of 7.40% is 27.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First US Bancshares and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First US Bancshares's current ROE % is 7.40%, which is 40% above median its own 10-year median of 5.30. 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 ROE % is 7.40%, which is 40% above median its 10-year median of 5.30 and 27.6% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For First US Bancshares (FUSB), the current ROE % is 7.40% 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:
ROE %: 7.40% (40% above median its 10-year median of 5.30)
GF Value™: $12.83 vs. price of $16.32 (27.2% above fair value)
Industry Position: 27.6% below the Banks median (#1176 of 1523)
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.
63GF Score
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