First US Bancshares, Inc. Financial Ratios — FUSB Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	-11.37	2.88	4.95	4.28	3.03	1.4	-0.47	2.84	5.03	2.89	4.61	6.76	7.91	7.2	5.03
Return on Assets (%)	-1.46	0.37	0.69	0.62	0.45	0.21	-0.07	0.35	0.58	0.32	0.48	0.7	0.82	0.75	0.53
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.64	1.8	2.01	2.37	2.71	2.92	3.43	4.23	4.95	5.19	5.02	4.69	4.36	4.31	4.25
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-35.42	7.39	15.27	15.86	11.03	4.21	7.94	8.83	13.74	8.73	14.15	22.48	27.68	27.07	19.34
Profit Margin (%)	-21.38	5.52	11.03	10.47	8.07	3.7	-1.24	6.48	10.79	6.69	11	17.12	20.84	20.56	14.6
Net Income to Common Margin (%)	-21.38	5.52	11.03	10.47	8.07	3.7	-1.24	6.48	10.79	6.69	11	17.12	20.84	20.56	14.6
Effective Tax Rate (%)	- -	25.34	27.76	34.01	26.82	12.13	115.66	26.57	21.44	23.36	22.27	23.83	24.72	24.03	24.5
Dvd Payout Ratio (%)	-2.66	- -	- -	5.1	18.65	39.46	-118.25	19.88	12.31	27.34	16.74	12.12	13.85	15.47	26.84
Sustainable Growth Rate (%)	-11.67	2.88	4.95	4.06	2.46	0.85	-1.03	2.27	4.41	2.1	3.83	5.94	6.81	6.09	3.68

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	20	- -	5	5	12	25	26	1	10	10	21	31	21	21	11
ST Debt	- -	- -	- -	- -	7	10	16	1	10	10	10	20	10	10	- -
LT Debt	20	- -	5	5	5	15	10	- -	- -	- -	11	11	11	11	11
Total Debt/EBITDA	29.24	- -	6.97	6.23	13.78	26	22.59	0.32	4.78	4.77	10.18	16.31	11.71	12.19	6.28
Net Debt/EBITDA	-46.6	-75.7	-59.58	-36.32	-36.82	1.64	-1.35	-30.18	-22.43	-40.21	-19.94	0.29	-16.6	-15.39	-35.9
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.09	13.64	14.27	14.78	15.07	14.42	13.87	11.21	11.77	10.65	10.28	10.51	10.26	10.62	10.51
Long-Term Debt/Equity (%)	30.21	- -	7.13	6.65	6.49	19.67	13.12	- -	- -	- -	11.83	12.57	11.92	11.02	10.36
Long-Term Debt/Capital (%)	20.94	- -	5.8	5.58	5.06	13.32	8.9	- -	- -	- -	8.94	7.91	8.25	7.89	8.27
Long-Term Debt/Total Assets (%)	3.22	- -	0.88	0.87	0.87	2.47	1.6	- -	- -	- -	1.11	1.08	1.01	0.99	0.95
Total Debt/Equity (%)	30.75	- -	7.13	6.65	15.58	32.95	33.58	0.66	11.83	11.56	22.98	36.06	22.96	21.16	10.36
Total Debt/Capital (%)	21.31	- -	5.8	5.58	12.15	22.31	22.78	0.59	9.75	9.56	17.36	22.7	15.9	15.14	8.27
Total Debt/Total Assets (%)	3.27	- -	0.88	0.87	2.08	4.14	4.09	0.07	1.27	1.12	2.16	3.09	1.94	1.9	0.95
Net Debt to Equity	-49	-78.85	-60.95	-38.8	-41.64	2.08	-2.01	-61.77	-55.46	-97.37	-45.02	0.64	-32.54	-26.71	-59.26
Net Debt/Capital (%)	-75.95	-233.09	-110.81	-52.57	-58.65	1.78	-1.8	-123.73	-102.58	-811.6	-69.96	0.52	-36.6	-29.08	-106.6
EBITDA	1	1	1	1	1	1	1	2	2	2	2	2	2	2	2
EBITDA-CapEx	- -	- -	- -	-1	-3	-7	-9	- -	-1	1	1	1	- -	- -	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.09	13.64	14.27	14.78	15.07	14.42	13.87	11.21	11.77	10.65	10.28	10.51	10.26	10.62	10.51
Long-Term Debt/Equity (%)	30.21	- -	7.13	6.65	6.49	19.67	13.12	- -	- -	- -	11.83	12.57	11.92	11.02	10.36
Long-Term Debt/Capital (%)	20.94	- -	5.8	5.58	5.06	13.32	8.9	- -	- -	- -	8.94	7.91	8.25	7.89	8.27
Long-Term Debt/Total Assets (%)	3.22	- -	0.88	0.87	0.87	2.47	1.6	- -	- -	- -	1.11	1.08	1.01	0.99	0.95
Total Debt/Equity (%)	30.75	- -	7.13	6.65	15.58	32.95	33.58	0.66	11.83	11.56	22.98	36.06	22.96	21.16	10.36
Total Debt/Capital (%)	21.31	- -	5.8	5.58	12.15	22.31	22.78	0.59	9.75	9.56	17.36	22.7	15.9	15.14	8.27
Total Debt/Total Assets (%)	3.27	- -	0.88	0.87	2.08	4.14	4.09	0.07	1.27	1.12	2.16	3.09	1.94	1.9	0.95
CFO/Total Liabilities	2.95	3.24	2.19	1.72	1.48	1.54	1.23	1.13	1.61	0.76	1.13	1.38	1.33	0.77	1.17
CFO/CapEx	32.71	28.22	28.67	5.01	2.02	1.04	0.65	5.21	3.55	6.38	11.95	9.93	8.93	3.7	3.8
Altman's Z-Score	0.26	0.3	0.31	0.33	0.33	0.33	0.33	0.25	0.28	0.24	0.23	0.22	0.22	0.23	0.23

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	9.36	11.27	12.27	13.73	15.8	17.32	16.35	15.76	15.95	15.28	15.09	14.4	11.65	10.51	10.94
Days Sales Outstanding	38.99	32.4	29.75	26.58	23.1	21.07	22.32	23.16	22.88	23.89	24.18	25.34	31.32	34.74	33.37
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	25	33	44	54	55	68	75	49	75	57	67	53	62	73	81
- Cash & Cash Equivalents	53	54	48	34	44	24	27	50	57	94	61	30	50	47	74
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	20	- -	5	5	12	25	26	1	10	10	21	31	21	21	11
Enterprise Value	-130	-114	-134	-180	-176	-112	-80	-132	-66	-113	-104	-78	-103	-121	8
Total Capital	96	77	86	90	99	113	112	89	103	105	119	135	131	138	132
Total Debt/Capital (%)	21.31	- -	5.8	5.58	12.15	22.31	22.78	0.59	9.75	9.56	17.36	22.7	15.9	15.14	8.27
Total Debt / EV	-0.16	- -	-0.04	-0.03	-0.07	-0.22	-0.32	- -	-0.15	-0.09	-0.2	-0.4	-0.2	-0.17	1.32
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.59	0.2
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.58	4.74
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3	0.67
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.36	0.53
Diluted Market Cap	25	33	44	55	56	72	75	54	79	61	71	56	66	77	84
Diluted Enterprise Value	-7	-21	1	26	24	73	74	4	32	-23	31	57	36	51	21
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.98	1.42
TTM Sales	42	40	36	34	32	33	33	38	42	40	40	40	41	40	41
TTM EBITDA	1	1	1	1	1	1	1	2	2	2	2	2	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	16	16	11	9	7	8	7	8	11	6	10	13	13	8	12
TTM Free Cash Flow to Firm	17	17	11	10	11	16	17	10	14	7	11	14	15	10	16

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	1.48	1.96	3.9	5.36	5.1	4.45	4.38	5.57	5.46	8.66	6.7	4.08	4.53	7.84	5.38
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-130	-114	-134	-180	-176	-112	-80	-132	-66	-113	-104	-78	-103	-121	8
Low Price	3.02	3.95	5.1	7.4	7.75	7.9	10.38	7.6	7.6	5.18	7.54	6.46	6.39	8.66	10.3
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.59	0.2
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.58	4.74
Price/Earnings	- -	14.89	11.22	15.24	21.24	55.55	- -	19.88	16.35	20.98	15.1	7.68	7.26	8.99	13.56
Price/Earnings Average	-4.49	15.34	12.6	14.24	20	46.32	-169.48	27.39	13.44	18.48	14.96	8.82	6.01	7.64	12.49
Price/Earnings High	-8.63	22	16	15.5	23.19	59.2	-216.29	34.05	16.8	27.91	17.86	10.62	7.35	10.21	14.36
Price/Earnings Low	-2	10.97	7.85	12.76	18.45	39.5	-148.29	19	10.7	12.05	10.77	5.72	4.5	6.19	10
Price/Book Value	0.33	0.42	0.54	0.64	0.64	0.78	0.87	0.56	0.8	0.6	0.68	0.5	0.56	0.63	0.67
Price/Book Value Average	0.54	0.44	0.61	0.6	0.6	0.65	0.8	0.77	0.66	0.53	0.68	0.58	0.46	0.53	0.62
Price/Book Value High	1.04	0.62	0.77	0.65	0.69	0.83	1.02	0.96	0.83	0.8	0.81	0.7	0.57	0.71	0.71
Price/Book Value Low	0.24	0.31	0.38	0.53	0.55	0.55	0.7	0.53	0.53	0.34	0.49	0.38	0.35	0.43	0.49
Price/Tangible Book Value	0.38	0.48	0.63	0.72	0.72	0.89	0.99	0.71	0.98	0.73	0.82	0.68	0.74	0.81	0.83
Price/Tangible Book Value Average	0.62	0.49	0.71	0.67	0.67	0.74	0.91	0.97	0.81	0.64	0.81	0.78	0.61	0.69	0.76
Price/Tangible Book Value High	1.18	0.7	0.9	0.73	0.78	0.95	1.17	1.21	1.01	0.97	0.97	0.94	0.75	0.92	0.88
Price/Tangible Book Value Low	0.27	0.35	0.44	0.6	0.62	0.63	0.8	0.67	0.64	0.42	0.58	0.51	0.46	0.55	0.61
Price/Sales	0.59	0.82	1.24	1.6	1.71	2.06	2.27	1.29	1.76	1.4	1.66	1.32	1.51	1.85	1.98
Price/Sales Average	0.96	0.85	1.39	1.49	1.62	1.71	2.11	1.78	1.45	1.24	1.65	1.51	1.25	1.57	1.82
Price/Sales High	1.84	1.21	1.77	1.62	1.87	2.19	2.69	2.21	1.81	1.87	1.96	1.82	1.53	2.1	2.1
Price/Sales Low	0.43	0.61	0.87	1.34	1.49	1.46	1.84	1.23	1.16	0.81	1.18	0.98	0.94	1.27	1.46
Price/Cash Flow	1.53	2.02	4.03	6.32	7.45	8.31	11.13	6.14	6.6	9.32	6.84	4.21	4.71	9.47	6.59
Price/Cash Flow Average	2.49	2.09	4.53	5.9	7.01	6.93	10.32	8.46	5.43	8.21	6.78	4.83	3.9	8.05	6.07
Price/Cash Flow High	4.78	2.99	5.75	6.42	8.13	8.86	13.17	10.51	6.78	12.4	8.09	5.82	4.77	10.75	6.98
Price/Cash Flow Low	1.11	1.49	2.82	5.29	6.47	5.91	9.03	5.87	4.32	5.35	4.88	3.13	2.92	6.51	4.86
Price/Free Cash Flow Average	2.41	2.01	4.38	5.01	4.81	3.71	4.06	7.67	4.49	7.63	6.63	4.68	3.75	6.67	4.95
Price/Free Cash Flow High	4.64	2.89	5.56	5.45	5.57	4.75	5.18	9.53	5.61	11.52	7.92	5.63	4.58	8.91	5.69
Price/Free Cash Flow Low	1.07	1.44	2.73	4.49	4.43	3.17	3.55	5.32	3.57	4.97	4.78	3.03	2.81	5.39	3.96
EV/Sales Average	0.2	- -	0.19	0.63	0.62	1.76	2.06	0.5	0.34	- -	0.64	1.52	0.53	0.91	0.3
EV/Sales High	1.08	- -	0.56	0.76	0.87	2.24	2.64	0.93	0.7	- -	0.96	1.83	0.81	1.44	0.57
EV/Sales Low	- -	- -	- -	0.47	0.49	1.51	1.8	- -	0.04	- -	0.18	0.99	0.21	0.61	- -
EV/EBITDA Average	11.96	-28.62	9.43	26.6	22.76	60.32	60.12	11.76	6.86	-16.38	12.81	32.45	12.1	21.08	7.02
EV/EBITDA High	65.88	-8.18	28.03	32.17	32.26	76.64	77.1	21.96	14.18	-4.22	19.15	39.02	18.53	33.36	13.44
EV/EBITDA Low	-20.55	-42.03	-16.63	20.05	18.14	51.68	52.43	-1.09	0.89	-24.67	3.64	21.14	4.9	14.13	-1.54
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	4.16	5.36	7.29	8.84	8.92	11.11	12.8	7.95	11.61	9.02	10.57	8.68	10.31	12.59	13.97
High Price	13.03	7.92	10.4	8.99	9.74	11.84	15.14	13.62	11.93	12	12.5	12	10.44	14.3	14.79
Enterprise Value Average	8	-20	7	21	20	58	68	19	14	-34	26	61	21	36	12
Enterprise Value High	46	-6	20	26	28	74	87	36	30	-9	39	73	33	57	23
Enterprise Value Low	-14	-30	-12	16	16	50	59	-2	2	-52	7	40	9	24	-3

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6
Diluted Weighted Avg Shares	6	6	6	6	6	6	6	7	7	7	7	6	6	6	6
Basic Weighted Avg Shares	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6
Revenue per Share	7.06	6.52	5.89	5.54	5.2	5.41	5.63	6.17	6.58	6.43	6.37	6.6	6.81	6.81	7.05
EBITDA per Share	0.12	0.12	0.12	0.13	0.14	0.16	0.19	0.26	0.33	0.33	0.32	0.31	0.3	0.29	0.3
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-1.51	0.36	0.65	0.58	0.42	0.2	-0.07	0.4	0.71	0.43	0.7	1.13	1.42	1.4	1.03
Basic EPS from Cont Ops	-1.51	0.36	0.65	0.58	0.42	0.2	-0.07	0.4	0.71	0.43	0.7	1.13	1.42	1.4	1.03
Diluted EPS, GAAP	-1.51	0.36	0.65	0.57	0.41	0.19	-0.07	0.37	0.67	0.4	0.66	1.06	1.33	1.33	1
Diluted EPS from Cont Ops	-1.51	0.36	0.65	0.57	0.41	0.19	-0.07	0.37	0.67	0.4	0.66	1.06	1.33	1.33	1
Dividend per Share	0.04	- -	- -	0.03	0.08	0.08	0.08	0.08	0.09	0.12	0.12	0.14	0.2	0.22	0.28
Cash Flow per Share	2.73	2.65	1.81	1.4	1.2	1.34	1.15	1.3	1.76	0.97	1.55	2.06	2.19	1.33	2.12
Free Cash Flow per Basic Share	2.64	2.55	1.74	1.12	0.6	0.05	-0.62	1.05	1.26	0.82	1.42	1.85	1.94	0.97	1.56
Cash & Equivalents per Share	29.11	24.07	30.37	39.08	39.32	33.57	30.83	29.25	23.49	28.5	30.22	26.5	31.1	36.86	14.43
Book Value per Share	12.51	12.69	13.45	13.83	14.04	14.3	14.77	14.26	14.43	15.06	15.49	17.21	18.41	20.04	20.86
Tangible Book Value per Share	11.02	11.26	11.6	12.28	12.47	12.46	12.98	11.27	11.81	12.43	12.9	12.73	13.89	15.62	16.88

First US Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)