First United Statistics
Total Valuation
First United has a market cap or net worth of $248.74 million. The enterprise value is $231.90 million.
Important Dates
The next estimated earnings date is Wednesday, April 22, 2026, before market open.
| Earnings Date | Apr 22, 2026 |
| Ex-Dividend Date | Apr 17, 2026 |
Share Statistics
First United has 6.50 million shares outstanding. The number of shares has decreased by -0.55% in one year.
| Current Share Class | 6.50M |
| Shares Outstanding | 6.50M |
| Shares Change (YoY) | -0.55% |
| Shares Change (QoQ) | +0.03% |
| Owned by Insiders (%) | 7.73% |
| Owned by Institutions (%) | 47.89% |
| Float | 5.98M |
Valuation Ratios
The trailing PE ratio is 10.15 and the forward PE ratio is 9.00.
| PE Ratio | 10.15 |
| Forward PE | 9.00 |
| PS Ratio | 2.89 |
| Forward PS | 2.56 |
| PB Ratio | 1.22 |
| P/TBV Ratio | 1.29 |
| P/FCF Ratio | 16.15 |
| P/OCF Ratio | 12.84 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 9.46 |
| EV / Sales | 2.70 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 15.05 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 7.45 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.80%.
| Return on Equity (ROE) | 12.80% |
| Return on Assets (ROA) | 1.21% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.88% |
| Revenue Per Employee | $250,548 |
| Profits Per Employee | $71,472 |
| Employee Count | 343 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, First United has paid $8.02 million in taxes.
| Income Tax | 8.02M |
| Effective Tax Rate | 24.65% |
Stock Price Statistics
The stock price has increased by +27.79% in the last 52 weeks. The beta is 0.52, so First United's price volatility has been lower than the market average.
| Beta (5Y) | 0.52 |
| 52-Week Price Change | +27.79% |
| 50-Day Moving Average | 37.04 |
| 200-Day Moving Average | 36.41 |
| Relative Strength Index (RSI) | 61.27 |
| Average Volume (20 Days) | 10,905 |
Short Selling Information
The latest short interest is 64,853, so 1.00% of the outstanding shares have been sold short.
| Short Interest | 64,853 |
| Short Previous Month | 47,870 |
| Short % of Shares Out | 1.00% |
| Short % of Float | 1.08% |
| Short Ratio (days to cover) | 4.59 |
Income Statement
In the last 12 months, First United had revenue of $85.94 million and earned $24.52 million in profits. Earnings per share was $3.77.
| Revenue | 85.94M |
| Gross Profit | 85.94M |
| Operating Income | 35.82M |
| Pretax Income | 32.53M |
| Net Income | 24.52M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.77 |
Full Income StatementBalance Sheet
The company has $131.61 million in cash and $114.77 million in debt, with a net cash position of $16.84 million or $2.59 per share.
| Cash & Cash Equivalents | 131.61M |
| Total Debt | 114.77M |
| Net Cash | 16.84M |
| Net Cash Per Share | $2.59 |
| Equity (Book Value) | 203.63M |
| Book Value Per Share | 31.33 |
| Working Capital | -1.68B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $19.37 million and capital expenditures -$3.97 million, giving a free cash flow of $15.41 million.
| Operating Cash Flow | 19.37M |
| Capital Expenditures | -3.97M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -72.75M |
| Free Cash Flow | 15.41M |
| FCF Per Share | $2.37 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 41.68% |
| Pretax Margin | 37.86% |
| Profit Margin | 28.53% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 17.93% |
