)
Edge6 Feb 2026
SharkNinja: Viral by Design
How SharkNinja built a repeatable growth engine, turning overlooked appliance categories into global brands through consumer insight and iteration.
First US Bancshares
First US Bancshares (FUSB) investor relations material
First US Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Full-year 2025 diluted EPS was $1.00, down from $1.33 in 2024, mainly due to higher provision for credit losses in 2Q2025.
4Q2025 diluted EPS rose to $0.36 from $0.32 in 3Q2025 and $0.29 in 4Q2024, driven by lower provision for credit losses and improved net interest income.
Fourth quarter net income rose 10% sequentially and 24% year-over-year, reaching $2.1 million, or $0.36 per diluted share; full-year net income was $6.0 million, down from $8.2 million in 2024.
Loan portfolio credit metrics improved, with significant decreases in net charge-offs and nonperforming assets.
Management expressed optimism for 2026 following resolution of most credit issues by Q3 2025.
Financial highlights
Net interest margin for 4Q2025 was 3.46%, slightly down from 3.60% in 3Q2025 but up from 3.41% in 4Q2024; full-year margin was 3.54%, down from 3.59% in 2024.
Net interest income for 4Q2025 was $9.4 million, up 7.7% year-over-year; full-year net interest income increased 3.6% to $37.5 million.
Provision for credit losses in 2025 totaled $4.0 million, up from $0.6 million in 2024, with $2.7 million recorded in Q2 due to indirect consumer growth and specific commercial loans.
Non-interest income held steady at $3.6 million year-over-year.
Non-interest expense increased to $29.1 million from $28.4 million in 2024, mainly due to higher salaries, benefits, and professional fees.
Outlook and guidance
Strategic focus remains on growing EPS, ROA, and ROE through diversified loan and deposit growth, strong credit culture, and expense control.
Plans include expanding digital offerings, optimizing branch footprint, and considering acquisitions for growth.
Management anticipates continued momentum into 2026, with improved credit quality and ongoing banking center expansion.
Detail resolution of 2025 commercial loan issues
Explain brokered deposit use for hedging strategy
What is the 2026 loan portfolio growth strategy?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next First US Bancshares earnings date
Q1 202629 Apr, 2026
First US Bancshares
Next First US Bancshares earnings date
Q1 202629 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage