First United Statistics
Total Valuation
First United has a market cap or net worth of $194.33 million. The enterprise value is $303.73 million.
Important Dates
The next estimated earnings date is Tuesday, April 22, 2025, after market close.
| Earnings Date | Apr 22, 2025 |
| Ex-Dividend Date | Apr 17, 2025 |
Share Statistics
First United has 6.47 million shares outstanding. The number of shares has decreased by -2.40% in one year.
| Current Share Class | 6.47M |
| Shares Outstanding | 6.47M |
| Shares Change (YoY) | -2.40% |
| Shares Change (QoQ) | +0.03% |
| Owned by Insiders (%) | 7.91% |
| Owned by Institutions (%) | 44.16% |
| Float | 5.95M |
Valuation Ratios
The trailing PE ratio is 9.53 and the forward PE ratio is 8.01.
| PE Ratio | 9.53 |
| Forward PE | 8.01 |
| PS Ratio | 2.55 |
| Forward PS | 2.22 |
| PB Ratio | 1.08 |
| P/TBV Ratio | 1.16 |
| P/FCF Ratio | 9.55 |
| P/OCF Ratio | 8.72 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 14.77 |
| EV / Sales | 3.95 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 14.92 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 9.22 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.06%.
| Return on Equity (ROE) | 12.06% |
| Return on Assets (ROA) | 1.06% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $235,798 |
| Profits Per Employee | $63,095 |
| Employee Count | 326 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, First United has paid $6.66 million in taxes.
| Income Tax | 6.66M |
| Effective Tax Rate | 24.46% |
Stock Price Statistics
The stock price has increased by +31.03% in the last 52 weeks. The beta is 0.76, so First United's price volatility has been lower than the market average.
| Beta (5Y) | 0.76 |
| 52-Week Price Change | +31.03% |
| 50-Day Moving Average | 33.94 |
| 200-Day Moving Average | 30.55 |
| Relative Strength Index (RSI) | 37.75 |
| Average Volume (20 Days) | 18,521 |
Short Selling Information
The latest short interest is 7,444, so 0.11% of the outstanding shares have been sold short.
| Short Interest | 7,444 |
| Short Previous Month | 7,493 |
| Short % of Shares Out | 0.11% |
| Short % of Float | 0.13% |
| Short Ratio (days to cover) | 0.34 |
Income Statement
In the last 12 months, First United had revenue of $76.87 million and earned $20.57 million in profits. Earnings per share was $3.15.
| Revenue | 76.87M |
| Gross Profit | 76.87M |
| Operating Income | 28.57M |
| Pretax Income | 19.29M |
| Net Income | 20.57M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.15 |
Full Income StatementBalance Sheet
The company has $78.33 million in cash and $187.72 million in debt, giving a net cash position of -$109.40 million or -$16.90 per share.
| Cash & Cash Equivalents | 78.33M |
| Total Debt | 187.72M |
| Net Cash | -109.40M |
| Net Cash Per Share | -$16.90 |
| Equity (Book Value) | 179.30M |
| Book Value Per Share | 27.71 |
| Working Capital | -1.58B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $22.28 million and capital expenditures -$1.92 million, giving a free cash flow of $20.36 million.
| Operating Cash Flow | 22.28M |
| Capital Expenditures | -1.92M |
| Free Cash Flow | 20.36M |
| FCF Per Share | $3.14 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 37.17% |
| Pretax Margin | 35.42% |
| Profit Margin | 26.76% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 26.48% |