DDM Analysis: FUSB

Valuation Snapshot

Stable Growth	$144.94 - $184.17	$172.60
Multi-Stage	$31.24 - $34.22	$32.71
Blended Fair Value	$102.65
Current Price	$12.02
Upside	754.01%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	17.60%	21.45%	0.21	0.20	0.14	0.12	0.12	0.09	0.08	0.08	0.08	0.08
YoY Growth	-	-	7.57%	41.23%	11.68%	0.68%	31.67%	13.54%	1.85%	0.62%	-0.21%	167.40%
Dividend Yield	-	-	1.57%	2.21%	1.85%	1.06%	1.32%	1.52%	0.82%	0.71%	0.65%	0.99%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	5.58
(-) Cash Dividends Paid (M)	1.49
(=) Cash Retained (M)	4.09

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.12	0.70	0.42
Cash Retained (M)	4.09	4.09	4.09
(-) Cash Required (M)	-1.12	-0.70	-0.42
(=) Excess Retained (M)	2.97	3.39	3.67
(/) Shares Outstanding (M)	6.02	6.02	6.02
(=) Excess Retained per Share	0.49	0.56	0.61
LTM Dividend per Share	0.25	0.25	0.25
(+) Excess Retained per Share	0.49	0.56	0.61
(=) Adjusted Dividend	0.74	0.81	0.86
WACC / Discount Rate	6.04%	6.04%	6.04%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$144.94	$172.60	$184.17
Upside / Downside	1,105.83%	1,335.92%	1,432.23%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	5.58	5.94	6.33	6.74	7.17	7.64	7.87
Payout Ratio	26.72%	39.37%	52.03%	64.69%	77.34%	90.00%	92.50%
Projected Dividends (M)	1.49	2.34	3.29	4.36	5.55	6.88	7.28

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.04%	6.04%	6.04%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	2.18	2.21	2.23
Year 2 PV (M)	2.87	2.93	2.98
Year 3 PV (M)	3.55	3.65	3.76
Year 4 PV (M)	4.23	4.39	4.56
Year 5 PV (M)	4.89	5.13	5.37
PV of Terminal Value (M)	170.43	178.66	187.21
Equity Value (M)	188.16	196.97	206.10
Shares Outstanding (M)	6.02	6.02	6.02
Fair Value	$31.24	$32.71	$34.22
Upside / Downside	159.93%	172.10%	184.73%

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First US Bancshares, Inc. (FUSB)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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