First US Bancshares Q4 net income rises 24% yr/yr
Overview
US bank's Q4 net income rose 10% from Q3 2025 and 24% yr/yr
Net interest income for Q4 decreased 2.5% from Q3, but rose 7.7% yr/yr
Company repurchased 88,000 shares in Q4
Outlook
Company expresses optimism for 2026 due to improved loan portfolio metrics
Company cites economic uncertainty affecting loan portfolio impact
Result Drivers
CREDIT METRICS IMPROVEMENT - Co saw improvement in loan portfolio credit metrics with decreases in net charge-offs and nonperforming assets
LOAN CATEGORY SHIFTS - Growth in multi-family residential and C&I loans was offset by declines in commercial real estate, construction, and indirect consumer loans
NET INTEREST INCOME DECLINE - Net interest income decreased 2.5% from Q3 2025 due to a slight decline in net interest margin
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.36 |
|
Q4 Net Interest Income |
| $9.42 mln |
|
Q4 Basic EPS |
| $0.37 |
|
Q4 Net Interest Margin |
| 3.46% |
|
Press Release: ID:nPnb9pV1ja
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