First United Statistics
Total Valuation
First United has a market cap or net worth of $234.05 million. The enterprise value is $217.21 million.
Important Dates
The next estimated earnings date is Monday, April 20, 2026, before market open.
| Earnings Date | Apr 20, 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 (%) | 7.65% |
| Owned by Institutions (%) | 47.90% |
| Float | 5.99M |
Valuation Ratios
The trailing PE ratio is 9.55 and the forward PE ratio is 8.47.
| PE Ratio | 9.55 |
| Forward PE | 8.47 |
| PS Ratio | 2.72 |
| Forward PS | 2.43 |
| PB Ratio | 1.15 |
| P/TBV Ratio | 1.22 |
| P/FCF Ratio | 15.19 |
| P/OCF Ratio | 12.08 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 8.86 |
| EV / Sales | 2.53 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 14.10 |
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 +19.48% in the last 52 weeks. The beta is 0.55, so First United's price volatility has been lower than the market average.
| Beta (5Y) | 0.55 |
| 52-Week Price Change | +19.48% |
| 50-Day Moving Average | 37.30 |
| 200-Day Moving Average | 35.75 |
| Relative Strength Index (RSI) | 44.05 |
| Average Volume (20 Days) | 14,805 |
Short Selling Information
The latest short interest is 47,870, so 0.74% of the outstanding shares have been sold short.
| Short Interest | 47,870 |
| Short Previous Month | 44,984 |
| Short % of Shares Out | 0.74% |
| Short % of Float | 0.80% |
| Short Ratio (days to cover) | 3.70 |
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 |
| 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% |
