Company Reports 24% Year-over-Year Net Income Growth in Q4 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 28 2026
0mins
Reports Q4 revenue $ vs. last year. Net interest margin was 3.46% in Q4 vs. 3.60% last quarter and 3.59% a year ago. Tangible book value per common share was $17.23 from $16.79 at previous quarter end. Common equity Tier 1 capital and Tier 1 risk-based capital ratios were each 10.88%, its total capital ratio was 12.05%, and its Tier 1 leverage ratio was 9.03%. "We are pleased to conclude 2025 with a quarter of continued strong earnings growth," stated James F. House, CEO. "Q4 net income improved by 10% compared to the prior quarter and 24% compared to Q4 of 2024. In addition, we saw continued improvement in loan portfolio credit metrics, with substantial decreases in both net charge-offs and nonperforming assets. While 2025 was a challenging year, particularly related to credit issues that were largely resolved by Q3, we have continued to build momentum and are excited about the company's prospects for 2026."
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy FUSB?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on FUSB
About FUSB
First US Bancshares, Inc. is a bank holding company that operates banking offices in Alabama, Tennessee, and Virginia through First US Bank (the Bank). The Bank conducts a general commercial banking business and offers banking services, such as demand, savings, individual retirement account and time deposits, personal and commercial loans, safe deposit box services and remote deposit capture. The Bank provides a wide range of commercial banking services to small- and medium-sized businesses, property managers, business executives, professionals and other individuals. The Bank also performs indirect lending through third-party retailers and conducts this lending in about 17 states, including Alabama, Arkansas, Florida, Georgia, Indiana, Iowa, Kansas, Kentucky, Mississippi, Missouri, Nebraska, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia. The Bank has loan production offices in Mobile, Alabama and the Chattanooga, Tennessee area.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
First US Bancshares Declares 48th Consecutive Quarterly Dividend
- Dividend Declaration: First US Bancshares has announced a cash dividend of $0.07 per share, payable on July 1, 2026, reflecting the company's commitment to shareholder returns amidst stable profitability.
- Consecutive Dividend Record: The company has maintained a cash dividend for 48 consecutive quarters, indicating robust performance in the financial market and reinforcing investor confidence in its operations.
- Future Dividend Evaluation: CEO James F. House stated that the company will continue to evaluate future dividend payments to ensure shareholder rewards while maintaining a strong capital base, highlighting a focus on sustainable growth.
- Company Background: First US Bancshares operates banking offices in Alabama, Tennessee, and Virginia, filing periodic reports with the SEC to ensure transparency and compliance, which enhances market trust and investor relations.
See More
First US Bancshares Reports Q1 Earnings
- Earnings Highlights: First US Bancshares (FUSB) reported a Q1 GAAP EPS of $0.33, indicating stable profitability and a positive outlook for the company's financial health.
- Revenue Growth: The company achieved revenues of $10.06 million in Q1, reflecting a 3.0% year-over-year increase, which demonstrates robust performance and an expanding customer base in the market.
- Dividend Performance: The dividend scorecard mentioned in the earnings report underscores the company's commitment to shareholder returns, enhancing investor confidence in its financial strategies.
- Financial Transparency: First US Bancshares provided comprehensive financial information, allowing investors to gain insights into the company's financial health and future growth potential.
See More
First US Bancshares Declares 47th Consecutive Dividend
- Dividend Declaration: First US Bancshares' Board of Directors has declared a cash dividend of $0.07 per share, payable on April 1, 2026, reflecting the company's ongoing profitability and commitment to shareholders.
- Consecutive Dividend Record: This marks the 47th consecutive quarter of cash dividends, indicating the company's stable financial performance and focus on shareholder returns, which enhances investor confidence.
- Future Dividend Assessment: CEO James F. House stated that the company will continue to evaluate future dividend payments to ensure shareholder rewards while maintaining a strong capital base, highlighting the company's focus on sustainable growth.
- Company Background: First US Bancshares operates banking offices in Alabama, Tennessee, and Virginia, and files periodic reports with the SEC, ensuring transparency and compliance in its operations.
See More
First US Bancshares Reports Q4 and Full Year 2025 Financial Highlights
- Net Income Growth: In Q4 2025, First US Bancshares reported net income of $2.1 million, or $0.36 per diluted share, reflecting a 10% increase from Q3 2025 and a 24% increase from Q4 2024, indicating sustained profitability improvement.
- Loan Quality Improvement: The ratio of nonperforming assets to total assets decreased to 0.14% in Q4 2025 from 0.50% in Q4 2024, demonstrating effective credit management and enhancing market confidence in the company's financial health.
- Deposit Growth: Total deposits increased by $25.5 million, or 2.5%, in Q4 2025, primarily driven by growth in interest-bearing demand deposits and certificates of deposit, reflecting the company's success in attracting customer deposits.
- Increased Shareholder Equity: As of December 31, 2025, shareholder equity reached $105.648 million, or 9.15% of total assets, up from $98.624 million in 2024, showcasing the company's robust capital management and profitability performance.
See More
First US Bancshares Reports Q4 2025 Financial Highlights
- Net Income Growth: In Q4 2025, First US Bancshares reported net income of $2.1 million, or $0.36 per diluted share, reflecting a 10% increase from Q3 2025 and a 24% increase from Q4 2024, indicating sustained profitability improvement.
- Loan Portfolio Quality Improvement: Although total loans decreased by $14.5 million in Q4 2025, the overall loan balance increased by $30 million for the year due to significant growth in the consumer indirect category, demonstrating effective credit management.
- Deposit Growth: Total deposits rose by $25.5 million in Q4 2025, primarily driven by increases in interest-bearing demand deposits and certificates of deposit, showcasing the company's competitiveness in attracting deposits.
- Increase in Shareholder Equity: As of December 31, 2025, shareholder equity reached $105.648 million, or 9.15% of total assets, an increase from 2024, reflecting the company's robust performance in earnings and capital management.
See More
First US Bancshares, Inc. Unveils Expansion of Its Share Buyback Program
Share Repurchase Program Expansion: First US Bancshares, Inc. has expanded its share repurchase program, authorizing an additional 1,000,000 shares for repurchase and extending the program's expiration to December 31, 2026.
Current Repurchase Status: The company has repurchased 1,389,972 shares to date, with 852,813 shares remaining available for repurchase under the program.
Regulatory Compliance: Share repurchases may occur through various methods, including open market transactions, and must comply with applicable regulatory requirements.
Forward-Looking Statements: The press release includes forward-looking statements that involve risks and uncertainties, which could affect the company's future performance and financial condition.
See More
First US Bancshares Declares 48th Consecutive Quarterly Dividend
- Dividend Declaration: First US Bancshares has announced a cash dividend of $0.07 per share, payable on July 1, 2026, reflecting the company's commitment to shareholder returns amidst stable profitability.
- Consecutive Dividend Record: The company has maintained a cash dividend for 48 consecutive quarters, indicating robust performance in the financial market and reinforcing investor confidence in its operations.
- Future Dividend Evaluation: CEO James F. House stated that the company will continue to evaluate future dividend payments to ensure shareholder rewards while maintaining a strong capital base, highlighting a focus on sustainable growth.
- Company Background: First US Bancshares operates banking offices in Alabama, Tennessee, and Virginia, filing periodic reports with the SEC to ensure transparency and compliance, which enhances market trust and investor relations.
See More
First US Bancshares Reports Q1 Earnings
- Earnings Highlights: First US Bancshares (FUSB) reported a Q1 GAAP EPS of $0.33, indicating stable profitability and a positive outlook for the company's financial health.
- Revenue Growth: The company achieved revenues of $10.06 million in Q1, reflecting a 3.0% year-over-year increase, which demonstrates robust performance and an expanding customer base in the market.
- Dividend Performance: The dividend scorecard mentioned in the earnings report underscores the company's commitment to shareholder returns, enhancing investor confidence in its financial strategies.
- Financial Transparency: First US Bancshares provided comprehensive financial information, allowing investors to gain insights into the company's financial health and future growth potential.
See More
First US Bancshares Declares 47th Consecutive Dividend
- Dividend Declaration: First US Bancshares' Board of Directors has declared a cash dividend of $0.07 per share, payable on April 1, 2026, reflecting the company's ongoing profitability and commitment to shareholders.
- Consecutive Dividend Record: This marks the 47th consecutive quarter of cash dividends, indicating the company's stable financial performance and focus on shareholder returns, which enhances investor confidence.
- Future Dividend Assessment: CEO James F. House stated that the company will continue to evaluate future dividend payments to ensure shareholder rewards while maintaining a strong capital base, highlighting the company's focus on sustainable growth.
- Company Background: First US Bancshares operates banking offices in Alabama, Tennessee, and Virginia, and files periodic reports with the SEC, ensuring transparency and compliance in its operations.
See More
First US Bancshares Reports Q4 and Full Year 2025 Financial Highlights
- Net Income Growth: In Q4 2025, First US Bancshares reported net income of $2.1 million, or $0.36 per diluted share, reflecting a 10% increase from Q3 2025 and a 24% increase from Q4 2024, indicating sustained profitability improvement.
- Loan Quality Improvement: The ratio of nonperforming assets to total assets decreased to 0.14% in Q4 2025 from 0.50% in Q4 2024, demonstrating effective credit management and enhancing market confidence in the company's financial health.
- Deposit Growth: Total deposits increased by $25.5 million, or 2.5%, in Q4 2025, primarily driven by growth in interest-bearing demand deposits and certificates of deposit, reflecting the company's success in attracting customer deposits.
- Increased Shareholder Equity: As of December 31, 2025, shareholder equity reached $105.648 million, or 9.15% of total assets, up from $98.624 million in 2024, showcasing the company's robust capital management and profitability performance.
See More
First US Bancshares Reports Q4 2025 Financial Highlights
- Net Income Growth: In Q4 2025, First US Bancshares reported net income of $2.1 million, or $0.36 per diluted share, reflecting a 10% increase from Q3 2025 and a 24% increase from Q4 2024, indicating sustained profitability improvement.
- Loan Portfolio Quality Improvement: Although total loans decreased by $14.5 million in Q4 2025, the overall loan balance increased by $30 million for the year due to significant growth in the consumer indirect category, demonstrating effective credit management.
- Deposit Growth: Total deposits rose by $25.5 million in Q4 2025, primarily driven by increases in interest-bearing demand deposits and certificates of deposit, showcasing the company's competitiveness in attracting deposits.
- Increase in Shareholder Equity: As of December 31, 2025, shareholder equity reached $105.648 million, or 9.15% of total assets, an increase from 2024, reflecting the company's robust performance in earnings and capital management.
See More
First US Bancshares, Inc. Unveils Expansion of Its Share Buyback Program
Share Repurchase Program Expansion: First US Bancshares, Inc. has expanded its share repurchase program, authorizing an additional 1,000,000 shares for repurchase and extending the program's expiration to December 31, 2026.
Current Repurchase Status: The company has repurchased 1,389,972 shares to date, with 852,813 shares remaining available for repurchase under the program.
Regulatory Compliance: Share repurchases may occur through various methods, including open market transactions, and must comply with applicable regulatory requirements.
Forward-Looking Statements: The press release includes forward-looking statements that involve risks and uncertainties, which could affect the company's future performance and financial condition.
See More
