FUSB (First US Bancshares) 3-Year RORE % : -10.20% (As of Mar. 2026)


FUSB First US Bancshares Inc FUSB
63 GF Score
Price $16.42
GF Value $12.83
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is First US Bancshares 3-Year RORE %?

First US Bancshares FUSB +0.15% 63 3-Year RORE % is -10.20 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. Among 1,469 Banks companies, First US Bancshares ranks worse than 82.3% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. First US Bancshares's 3-Year RORE % for the quarter that ended in Mar. 2026 was -10.20%.

The industry rank for First US Bancshares's 3-Year RORE % or its related term are showing as below:

FUSB's 3-Year RORE % is ranked worse than
82.3% of 1469 companies
in the Banks industry
Industry Median: 9.87 vs FUSB: -10.20

First US Bancshares  (NAS:FUSB) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


First US Bancshares 3-Year RORE % Related Terms


First US Bancshares 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for First US Bancshares's 3-Year RORE % 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 3-Year RORE % Chart

First US Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.71 37.93 25.87 8.54 -11.15

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
3-Year RORE % 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 2.80 -10.40 -13.13 -11.15 -10.20

FUSB vs BYFC, UBCP, CIWV: 3-Year RORE % Comparison

For the Banks - Regional subindustry, First US Bancshares's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, First US Bancshares's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where First US Bancshares's 3-Year RORE % falls into.


FUSB
63GF Score
First US Bancshares Inc FUSB
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First US Bancshares 3-Year RORE % Calculation

First US Bancshares's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 1.04-1.34 )/( 3.66-0.72 )
=-0.3/2.94
=-10.20 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -10.20 mean?
First US Bancshares (FUSB) has a 3-Year RORE % of -10.20 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First US Bancshares and its competitors. According to the industry distribution chart, First US Bancshares ranks #1209 out of 1469 companies in the Banks industry, placing it in the top 82.3%.
Is First US Bancshares' 3-Year RORE % too high?
First US Bancshares' current 3-Year RORE % is -10.20. Based on the distribution chart, First US Bancshares ranks #1209 out of 1469 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' 3-Year RORE % compare to BYFC and UBCP?
According to the Banks industry distribution chart, First US Bancshares ranks #1209 out of 1469 companies for 3-Year RORE %. This places First US Bancshares in the lower half of its industry. The industry median 3-Year RORE % is 9.87. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,469 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First US Bancshares and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First US Bancshares's current 3-Year RORE % is -10.20. 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 $16.42 — trading 28% above its estimated fair value. The current 3-Year RORE % is -10.20. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For First US Bancshares (FUSB), the current 3-Year RORE % is -10.20 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 $16.42 is trading 28% above its estimated GF Value™ of $12.83. GuruFocus considers First US Bancshares to be Modestly Overvalued.

Key valuation signals for FUSB:

  • 3-Year RORE %: -10.20
  • GF Value™: $12.83 vs. price of $16.42 (28% 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

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

$16.42
Price
$12.83
GF Value