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Investor Relations14 Oct 2025
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First US Bancshares (FUSB) investor relations material
First US Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Net income for Q2 2025 was $0.2 million ($0.03 per diluted share), down from $2.1 million ($0.34 per diluted share) in Q2 2024, mainly due to higher provision for credit losses.
For the six months ended June 30, 2025, net income was $1.9 million ($0.32 per diluted share), compared to $4.2 million ($0.68 per diluted share) in the prior year period.
Net income per diluted share rose 34.1% year-over-year to $1.18 for Q2 2025; six-month net income per share up 30.3% to $2.45 year-over-year.
Core FFO per diluted share was $2.05 for Q2 2025, a 0.5% decrease year-over-year; six-month Core FFO per share up 0.7% to $4.05.
Total assets grew 3.8% to $1,143.4 million as of June 30, 2025, from $1,101.1 million at year-end 2024.
Financial highlights
Net interest income for the six months ended June 30, 2025 increased 0.9% year-over-year to $18.4 million; net interest margin declined to 3.56% from 3.67%.
Q2 2025 net income attributable to common stockholders: $249.7M ($1.18 per diluted share), up from $185.9M ($0.88) in Q2 2024.
Six-month 2025 net income: $520.6M ($2.45 per diluted share), up from $399.0M ($1.88) in 2024.
Provision for credit losses was $3.2 million for the six months ended June 30, 2025, compared to zero in the prior year period.
Non-interest income and non-interest expense remained stable year-over-year at $1.7 million and $14.4 million, respectively, for the six months ended June 30, 2025.
Outlook and guidance
2025 Core FFO guidance maintained at $8.05–$8.25 per share.
Same-store revenue growth expected between -0.5% and 1.0%; same-store NOI growth between -2.75% and 0.0%.
The company expects non-interest income to remain stable and non-interest expense to rise gradually with inflation and growth.
No material impact is anticipated from the One Big Beautiful Bill Act on 2025 tax expense.
Weighted average share count for 2025 estimated at 222.2M.
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Next First US Bancshares earnings date
Q3 202523 Oct, 2025
Next First US Bancshares earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
First US Bancshares, Inc. is a bank holding company operating through its subsidiary, First US Bank. The company provides a range of commercial banking services to individuals, small and medium-sized businesses, and professionals. Its offerings include various deposit accounts, such as savings, money market, and individual retirement accounts, as well as a variety of loan products. These loan products cover areas like commercial real estate, residential mortgages, consumer loans, and commercial and industrial lending. The company also offers additional services like letters of credit and safe deposit boxes. First US Bancshares primarily serves clients in Alabama, Tennessee, and Virginia. The company is headquartered in Birmingham, Alabama, and its shares are listed on the NASDAQ.
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