Filing Flows › First US Bancshares (FUSB) › Q3 2025
First US Bancshares (FUSB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
First US Bancshares (FUSB) reported revenue of $10.5M for the third quarter 2025 (Q3 2025), +4% from a year earlier and +2% from the quarter before. Operating margin was 23.9%, net earnings $1.9M (18.4% of revenue).
First US Bancshares, Q3 2025: revenue $10.5M (+4% year over year), operating margin 23.9%, net earnings $1.9M, operating cash flow $4.2M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $10.5M | +2% | +4% |
| Operating profit | $2.5M | 15× | -14% |
| Net earnings | $1.9M | 12× | -13% |
| Operating cash flow | $4.2M | +8% | +118% |
| Free cash flow | $3.6M | +119% | +182% |
What changed
Revenue was $10.5M in Q3 2025, up 4% year over year and up 2% from the previous quarter.
Operating profit was $2.5M, a 23.9% margin (down 5.2 points year over year). Operating profit fell $425K even though revenue rose $436K versus a year earlier, so costs grew faster than sales. Total costs grew 12% against revenue growth of 4%. The fastest-growing cost line was Credit loss provision (+272%). Net earnings were $1.9M, down 13% year over year. The effective tax rate was 23.1%.
Operating cash flow was $4.2M (up 118% year over year), 218% of net earnings. Non-cash charges added back $185K of share-based compensation. Working capital and other items added $2.1M. Capital expenditures of $624K left free cash flow of $3.6M.
Questions
What was First US Bancshares' revenue in the third quarter 2025?
First US Bancshares (FUSB) reported revenue of $10.5M for the third quarter 2025 (Q3 2025), +4% from a year earlier and +2% from the quarter before.
Was First US Bancshares profitable in the third quarter 2025?
Operating profit was $2.5M (23.9% of revenue) and net earnings $1.9M.