What is First US Bancshares, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on First US Bancshares, Inc.'s reported free cash flow gives $27.96 per share. The share price was $16.44 on September 25, 2026, 41% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -5.5% | 10.0% | $20.50 | +25% |
| Base | -0.5% | 9.0% | $27.96 | +70% |
| Bull | 4.5% | 8.0% | $42.48 | +158% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $33.10 | $34.63 | $36.50 | $38.85 | $41.86 |
| 8.0% | $29.29 | $30.28 | $31.46 | $32.87 | $34.60 |
| 9.0% | $26.50 | $27.18 | $27.96 | $28.88 | $29.96 |
| 10.0% | $24.36 | $24.84 | $25.39 | $26.02 | $26.74 |
| 11.0% | $22.67 | $23.02 | $23.42 | $23.87 | $24.37 |
Where the presets come from
Base: years 1 to 5 grow at First US Bancshares, Inc.'s revenue growth rate over the last 3 fiscal years (-0.4% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions