First United Statistics
Total Valuation
First United has a market cap or net worth of $236.79 million. The enterprise value is $330.79 million.
Important Dates
The next estimated earnings date is Tuesday, October 21, 2025, before market open.
| Earnings Date | Oct 21, 2025 |
| Ex-Dividend Date | Oct 17, 2025 |
Share Statistics
First United has 6.49 million shares outstanding. The number of shares has decreased by -2.33% in one year.
| Current Share Class | 6.49M |
| Shares Outstanding | 6.49M |
| Shares Change (YoY) | -2.33% |
| Shares Change (QoQ) | +0.25% |
| Owned by Insiders (%) | 8.03% |
| Owned by Institutions (%) | 46.57% |
| Float | 5.96M |
Valuation Ratios
The trailing PE ratio is 9.98 and the forward PE ratio is 9.47.
| PE Ratio | 9.98 |
| Forward PE | 9.47 |
| PS Ratio | 2.90 |
| Forward PS | 2.57 |
| PB Ratio | 1.24 |
| P/TBV Ratio | 1.32 |
| P/FCF Ratio | 14.03 |
| P/OCF Ratio | 12.15 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 13.93 |
| EV / Sales | 4.06 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 19.60 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 10.26 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 13.37%.
| Return on Equity (ROE) | 13.37% |
| Return on Assets (ROA) | 1.23% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $249,850 |
| Profits Per Employee | $72,844 |
| Employee Count | 326 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, First United has paid $7.76 million in taxes.
| Income Tax | 7.76M |
| Effective Tax Rate | 24.63% |
Stock Price Statistics
The stock price has increased by +22.76% in the last 52 weeks. The beta is 0.70, so First United's price volatility has been lower than the market average.
| Beta (5Y) | 0.70 |
| 52-Week Price Change | +22.76% |
| 50-Day Moving Average | 35.79 |
| 200-Day Moving Average | 33.00 |
| Relative Strength Index (RSI) | 48.62 |
| Average Volume (20 Days) | 23,161 |
Short Selling Information
The latest short interest is 75,436, so 1.16% of the outstanding shares have been sold short.
| Short Interest | 75,436 |
| Short Previous Month | 77,351 |
| Short % of Shares Out | 1.16% |
| Short % of Float | 1.27% |
| Short Ratio (days to cover) | 4.08 |
Income Statement
In the last 12 months, First United had revenue of $81.45 million and earned $23.75 million in profits. Earnings per share was $3.65.
| Revenue | 81.45M |
| Gross Profit | 81.45M |
| Operating Income | 33.01M |
| Pretax Income | 31.51M |
| Net Income | 23.75M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.65 |
Full Income StatementBalance Sheet
The company has $79.11 million in cash and $173.11 million in debt, giving a net cash position of -$94.00 million or -$14.47 per share.
| Cash & Cash Equivalents | 79.11M |
| Total Debt | 173.11M |
| Net Cash | -94.00M |
| Net Cash Per Share | -$14.47 |
| Equity (Book Value) | 191.15M |
| Book Value Per Share | 29.43 |
| Working Capital | -1.67B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $19.49 million and capital expenditures -$2.62 million, giving a free cash flow of $16.87 million.
| Operating Cash Flow | 19.49M |
| Capital Expenditures | -2.62M |
| Free Cash Flow | 16.87M |
| FCF Per Share | $2.60 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 40.52% |
| Pretax Margin | 38.68% |
| Profit Margin | 29.15% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 20.72% |
