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First US Bancshares (FUSB) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · First US Bancshares (FUSB) Q3 2026 earnings results →

Q3 2026 Revenue up 3% year over year to $10.8M · 18¢ of every $1 of revenue kept as net profit · operating margin 23.3%

First US Bancshares made $10.8M in Q3 2026 (+3% Y/Y): Net interest income $9.8M, Noninterest income $967K. Operating margin 23.3%, net earnings $2.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$10.8M
Year over year+3%
Operating margin23.3%
Net earnings$2.0M
Operating cash flow$3.9M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $10.8M in Q3 2026, up 3% year over year and roughly flat from the previous quarter. Net interest income was the largest line at 91% of revenue. Net interest income added $188K year over year (up 2%), 64% of the total change.

Operating profit was $2.5M, a 23.3% margin (down 0.7 points year over year). Operating profit fell $1K even though revenue rose $295K versus Q3 2025, so costs grew faster than sales. Total costs grew 4% against revenue growth of 3%. Net earnings were $2.0M, up 1% year over year. The effective tax rate was 22.2%.

Operating cash flow was $3.9M (down 8% year over year), 198% of net earnings. Non-cash charges added back $196K of share-based compensation. Working capital and other items added $1.7M. Capital expenditures of $173K left free cash flow of $3.7M.

Quarterly history

First US Bancshares revenue by quarterFirst US Bancshares revenue by quarter$9.8MQ1 2025$10.3MQ2 2025$10.5MQ3 2025$10.4MQ4 2025$10.1MQ1 2026$10.8MQ2 2026$10.8MQ3 2026
First US Bancshares net earnings by quarterFirst US Bancshares net earnings by quarter$1.8MQ1 2025$155KQ2 2025$1.9MQ3 2025$2.1MQ4 2025$1.9MQ1 2026$1.8MQ2 2026$2.0MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$10.8M+3%23.3%$2.0M$3.9M
Q2 202610-QAug 6, 2026$10.8M+5%20.7%$1.8M$697K
Q1 202610-QMay 7, 2026$10.1M+3%24.5%$1.9M$4.1M
Q4 202510-KMar 12, 2026$10.4M+7%28.1%$2.1M$2.4M
Q3 202510-QNov 6, 2025$10.5M+4%23.9%$1.9M$4.2M
Q2 202510-QAug 7, 2025$10.3M+3%1.6%$155K$3.9M
Q1 202510-QMay 8, 2025$9.8M-1%23.8%$1.8M$1.8M

Charts

First US Bancshares: revenue growth, year over year and quarter over quarterFirst US Bancshares: revenue growth, year over year and quarter over quarterY/YQ/Q-1%Q1 2025+3%+6%Q2 2025+4%+2%Q3 2025+7%-1%Q4 2025+3%-3%Q1 2026+5%+8%Q2 2026+3%0%Q3 2026
Latest (Q3 2026): Y/Y +3%, Q/Q 0%.
First US Bancshares: where the cash came from (+) and went (−), TTM to Q3 2026First US Bancshares: where the cash came from (+) and went (−), TTM to Q3 2026Other financing$14.7MOther investing−$13.9MBuybacks−$11.3MOperating cash flow$11.1MNet borrowing (+) / repaid (−)$10.0MCash drawn (+) / kept (−)−$6.9MCapital spending−$2.3MDividends−$1.5M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
First US Bancshares: profit against cash, quarter by quarterFirst US Bancshares: profit against cash, quarter by quarterNet incomeOperating cash flow$1.7M$2.4MQ4 2024$1.8M$1.8MQ1 2025$155K$3.9MQ2 2025$1.9M$4.2MQ3 2025$2.1M$2.5MQ4 2025$1.9M$4.1MQ1 2026$1.8M$697KQ2 2026$2.0M$3.9MQ3 2026
Latest (Q3 2026): Net income $2.0M, Operating cash flow $3.9M.
First US Bancshares: diluted shares by fiscal yearFirst US Bancshares: diluted shares by fiscal year7MFY20207MFY20217MFY20226MFY20236MFY20246MFY2025
-10.4% since FY2020: buybacks shrank the count.
First US Bancshares in its industry: growth against margin (133 companies, SIC 6022)First US Bancshares in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPAUBNJUVFFUSB (+3%, 23%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About First US Bancshares

First US Bancshares, Inc. (the “Company”) is a bank holding company that operates banking offices in Alabama, Tennessee, and Virginia through First US Bank (the “Bank”). The Company files periodic reports with the U.S. Securities and Exchange Commission (the “SEC”). Copies of its filings may be obtained through the SEC’s website at www.sec.gov or at www.firstusbank.com. More information about the Company and the Bank may be obtained at www.firstusbank.com. The Company’s stock is traded on the Nasdaq Capital Market under the symbol “FUSB.”

In its own words, from its 8-K, filed Jul 29, 2026.

First US Bancshares against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +10%. Operating margin: 23.3% against the peers' median 34.6%.

CompanyQuarterRevenueY/YOp. margin
FUSB First US BancsharesQ3 2026$10.8M+3%23.3%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: First US Bancshares 10-Q on SEC EDGAR · CIK 717806 · State Commercial Banks

Guidance and outlook

First US Bancshares: what its forward-looking statements are about (10-Q filed 2026-11-05)First US Bancshares: what its forward-looking statements are about (10-Q filed 2026-11-05)Other2Costs2The economy1Demand1Tax1Supply chain1
8 statements; tone +0.12 (−1 all cautious, +1 all confident); 1 hedged.
First US Bancshares: outlook statements against the filing beforeFirst US Bancshares: outlook statements against the filing beforeConfident2Cautious1

13F: who owns FUSB and who is buying

Largest holders of FUSB (13F)Largest holders of FUSB (13F)Gendell Jeffrey L$6.6MVanguard Capital Management LLC$1.8MVanguard Group$1.5MRenaissance Technologies LLC$1.3MGeode Capital Management, LLC$971KRegions Financial$824KNorthern Trust$567KDimensional Fund Advisors LP$547KVanguard Fiduciary Trust$514KBlackRock$486K
Funds' net buying of FUSB by quarter (13F)Funds' net buying of FUSB by quarter (13F)$180K2024-09−$151K2024-12−$333K2025-03$182K2025-06$643K2025-09−$499K2025-12−$31K2026-03−$21K2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FUSB

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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