First US Bancshares Q4 net income rises 24% yr/yr

First US Bancshares

28/01/2026 21:28

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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(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.)