First United Statistics
Total Valuation
First United has a market cap or net worth of $193.52 million. The enterprise value is $251.66 million.
Important Dates
The next estimated earnings date is Monday, July 21, 2025, after market close.
| Earnings Date | Jul 21, 2025 |
| Ex-Dividend Date | Apr 17, 2025 |
Share Statistics
First United has 6.48 million shares outstanding. The number of shares has decreased by -2.87% in one year.
| Current Share Class | 6.48M |
| Shares Outstanding | 6.48M |
| Shares Change (YoY) | -2.87% |
| Shares Change (QoQ) | +0.09% |
| Owned by Insiders (%) | 8.07% |
| Owned by Institutions (%) | 44.12% |
| Float | 5.94M |
Valuation Ratios
The trailing PE ratio is 8.57 and the forward PE ratio is 8.41.
| PE Ratio | 8.57 |
| Forward PE | 8.41 |
| PS Ratio | 2.44 |
| Forward PS | 2.16 |
| PB Ratio | 1.05 |
| P/TBV Ratio | 1.13 |
| P/FCF Ratio | 8.34 |
| P/OCF Ratio | 7.54 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 11.10 |
| EV / Sales | 3.17 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.84 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.14 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.99%.
| Return on Equity (ROE) | 12.99% |
| Return on Assets (ROA) | 1.17% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $243,567 |
| Profits Per Employee | $69,561 |
| Employee Count | 326 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, First United has paid $7.39 million in taxes.
| Income Tax | 7.39M |
| Effective Tax Rate | 24.58% |
Stock Price Statistics
The stock price has increased by +49.05% in the last 52 weeks. The beta is 0.61, so First United's price volatility has been lower than the market average.
| Beta (5Y) | 0.61 |
| 52-Week Price Change | +49.05% |
| 50-Day Moving Average | 29.80 |
| 200-Day Moving Average | 31.92 |
| Relative Strength Index (RSI) | 44.54 |
| Average Volume (20 Days) | 13,711 |
Short Selling Information
The latest short interest is 7,621, so 0.12% of the outstanding shares have been sold short.
| Short Interest | 7,621 |
| Short Previous Month | 6,963 |
| Short % of Shares Out | 0.12% |
| Short % of Float | 0.13% |
| Short Ratio (days to cover) | 0.56 |
Income Statement
In the last 12 months, First United had revenue of $79.40 million and earned $22.68 million in profits. Earnings per share was $3.49.
| Revenue | 79.40M |
| Gross Profit | 79.40M |
| Operating Income | 31.39M |
| Pretax Income | 19.29M |
| Net Income | 22.68M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.49 |
Full Income StatementBalance Sheet
The company has $84.43 million in cash and $142.58 million in debt, giving a net cash position of -$58.15 million or -$8.98 per share.
| Cash & Cash Equivalents | 84.43M |
| Total Debt | 142.58M |
| Net Cash | -58.15M |
| Net Cash Per Share | -$8.98 |
| Equity (Book Value) | 183.69M |
| Book Value Per Share | 28.35 |
| Working Capital | -1.64B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $25.66 million and capital expenditures -$2.44 million, giving a free cash flow of $23.22 million.
| Operating Cash Flow | 25.66M |
| Capital Expenditures | -2.44M |
| Free Cash Flow | 23.22M |
| FCF Per Share | $3.58 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 39.53% |
| Pretax Margin | 37.87% |
| Profit Margin | 28.56% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 29.24% |