First United Statistics
Total Valuation
First United has a market cap or net worth of $250.85 million. The enterprise value is $272.96 million.
Important Dates
The last earnings date was Monday, October 20, 2025, after market close.
| Earnings Date | Oct 20, 2025 |
| Ex-Dividend Date | Oct 17, 2025 |
Share Statistics
First United has 6.50 million shares outstanding. The number of shares has decreased by -1.32% in one year.
| Current Share Class | 6.50M |
| Shares Outstanding | 6.50M |
| Shares Change (YoY) | -1.32% |
| Shares Change (QoQ) | +0.03% |
| Owned by Insiders (%) | 8.04% |
| Owned by Institutions (%) | 46.65% |
| Float | 5.96M |
Valuation Ratios
The trailing PE ratio is 10.05 and the forward PE ratio is 9.49.
| PE Ratio | 10.05 |
| Forward PE | 9.49 |
| PS Ratio | 2.99 |
| Forward PS | 2.66 |
| PB Ratio | 1.26 |
| P/TBV Ratio | 1.34 |
| P/FCF Ratio | 15.25 |
| P/OCF Ratio | 13.40 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.95 |
| EV / Sales | 3.26 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 16.59 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 7.13 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 13.36%.
| Return on Equity (ROE) | 13.36% |
| Return on Assets (ROA) | 1.27% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $256,632 |
| Profits Per Employee | $76,454 |
| Employee Count | 326 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, First United has paid $8.12 million in taxes.
| Income Tax | 8.12M |
| Effective Tax Rate | 24.58% |
Stock Price Statistics
The stock price has increased by +7.07% in the last 52 weeks. The beta is 0.53, so First United's price volatility has been lower than the market average.
| Beta (5Y) | 0.53 |
| 52-Week Price Change | +7.07% |
| 50-Day Moving Average | 36.35 |
| 200-Day Moving Average | 33.32 |
| Relative Strength Index (RSI) | 65.02 |
| Average Volume (20 Days) | 16,212 |
Short Selling Information
The latest short interest is 56,793, so 0.87% of the outstanding shares have been sold short.
| Short Interest | 56,793 |
| Short Previous Month | 48,541 |
| Short % of Shares Out | 0.87% |
| Short % of Float | 0.95% |
| Short Ratio (days to cover) | 2.47 |
Income Statement
In the last 12 months, First United had revenue of $83.66 million and earned $24.92 million in profits. Earnings per share was $3.84.
| Revenue | 83.66M |
| Gross Profit | 83.66M |
| Operating Income | 34.50M |
| Pretax Income | 33.05M |
| Net Income | 24.92M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.84 |
Full Income StatementBalance Sheet
The company has $95.18 million in cash and $117.29 million in debt, giving a net cash position of -$22.11 million or -$3.40 per share.
| Cash & Cash Equivalents | 95.18M |
| Total Debt | 117.29M |
| Net Cash | -22.11M |
| Net Cash Per Share | -$3.40 |
| Equity (Book Value) | 199.10M |
| Book Value Per Share | 30.65 |
| Working Capital | -1.66B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $18.72 million and capital expenditures -$2.27 million, giving a free cash flow of $16.45 million.
| Operating Cash Flow | 18.72M |
| Capital Expenditures | -2.27M |
| Free Cash Flow | 16.45M |
| FCF Per Share | $2.53 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 41.24% |
| Pretax Margin | 39.50% |
| Profit Margin | 29.79% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 19.67% |
