First US Bancshares Q3 EPS rises, net interest margin improves

First US Bancshares

28/10/2026 20:31

Overview
US regional bank's Q3 net income and EPS rose modestly year over year
Net interest income and margin improved on higher yields and stable deposit costs
Company completed 390,000 share repurchases in Q3, supporting EPS growth

Outlook
Company did not provide specific financial guidance for future quarters or full year

Result Drivers
NET INTEREST MARGIN - Net interest margin increased to 3.66% in Q3, supported by higher yields on loans and investment securities while deposit costs remained stable
INDIRECT CONSUMER LOANS - Growth in indirect consumer loans partially offset declines in other loan categories, contributing to overall loan portfolio performance
CREDIT LOSS PROVISION - Lower provision for credit losses year over year supported earnings, as prior year included higher provisioning for specific commercial loans

Company press release: ID:nPn2WJSGHa

Key Details
Metric
Beat/Miss
Actual
Consensus Estimate
Q3 EPS
 
$0.36
 
Q3 Net Interest Income
 
$9.85 mln
 
Q3 Net Interest Margin
 
3.66%
 

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)