First US BancsharesFUSB +2.17%63 5-Year Yield-on-Cost % is 4.17 as of Jun. 29, 2026, which is 38% above its 10-year median of 3.02. GuruFocus rates FUSB with a GF Score™ of 63/100 and a GF Value™ of $12.83 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,256 Banks companies, First US Bancshares ranks better than 54.22% on this metric.
First US Bancshares's yield on cost for the quarter that ended in Mar. 2026 was 4.17.
The historical rank and industry rank for First US Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
FUSB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.4 Med: 3.02 Max: 6.17
Current: 4.17
During the past 13 years, First US Bancshares's highest Yield on Cost was 6.17. The lowest was 1.40. And the median was 3.02.
FUSB's 5-Year Yield-on-Cost % is ranked better than 54.22% of 1256
companies
in the Banks industry
Industry Median: 3.955
vs FUSB: 4.17
First US Bancshares (NAS:FUSB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
First US Bancshares 5-Year Yield-on-Cost % Related Terms
FUSB vs SSBI, CBKM, PBKC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, First US Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, First US Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where First US Bancshares's 5-Year Yield-on-Cost % falls into.
First US Bancshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
First US Bancshares (FUSB) has a 5-Year Yield-on-Cost % of 4.17 as of Jun. 29, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First US Bancshares and its competitors. This is 38% above median its historical median of 3.02. Over the past decade, First US Bancshares' 5-Year Yield-on-Cost % has ranged from 1.40 to 6.17. According to the industry distribution chart, First US Bancshares ranks #575 out of 1256 companies in the Banks industry, placing it in the top 45.8%.
Is First US Bancshares' 5-Year Yield-on-Cost % too high?
First US Bancshares' current 5-Year Yield-on-Cost % of 4.17 is 38% above median its 10-year median of 3.02. Over the past 10 years, this metric has ranged from a low of 1.40 to a high of 6.17. The Banks industry median 5-Year Yield-on-Cost % is 3.96. First US Bancshares' value of 4.17 is 5.4% above this industry median. Based on the distribution chart, First US Bancshares ranks #575 out of 1256 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First US Bancshares' 5-Year Yield-on-Cost % compare to SSBI and CBKM?
According to the Banks industry distribution chart, First US Bancshares ranks #575 out of 1256 companies for 5-Year Yield-on-Cost %. This puts First US Bancshares in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.96. First US Bancshares' value of 4.17 is 5.4% above this benchmark. Historically, First US Bancshares' own 5-Year Yield-on-Cost % has ranged from 1.40 to 6.17 over the past decade. While the company's 10-year median is 3.02 vs. the industry median of 3.96, First US Bancshares has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.96, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First US Bancshares's current 5-Year Yield-on-Cost % of 4.17 is 5.4% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First US Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First US Bancshares's current 5-Year Yield-on-Cost % is 4.17, which is 38% above median its own 10-year median of 3.02. 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 Significantly Overvalued. The stock's GF Value™ is $12.83, compared to a current price of $16.75 — trading 30.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.17, which is 38% above median its 10-year median of 3.02 and 5.4% above the Banks industry median of 3.96. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First US Bancshares (FUSB), the current 5-Year Yield-on-Cost % is 4.17 as of Jun. 29, 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 $16.75 is trading 30.6% above its estimated GF Value™ of $12.83.
GuruFocus considers First US Bancshares to be Significantly Overvalued.
Key valuation signals for FUSB:
5-Year Yield-on-Cost %: 4.17 (38% above median its 10-year median of 3.02)
GF Value™: $12.83 vs. price of $16.75 (30.6% above fair value)
Industry Position: 5.4% above the Banks median (#575 of 1256)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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