First United Statistics
Total Valuation
First United has a market cap or net worth of $292.94 million. The enterprise value is $308.92 million.
| Market Cap | 292.94M |
| Enterprise Value | 308.92M |
Important Dates
The last earnings date was Monday, July 20, 2026, after market close.
| Earnings Date | Jul 20, 2026 |
| Ex-Dividend Date | Jul 20, 2026 |
Share Statistics
First United has 6.45 million shares outstanding. The number of shares has increased by 0.05% in one year.
| Current Share Class | 6.45M |
| Shares Outstanding | 6.45M |
| Shares Change (YoY) | +0.05% |
| Shares Change (QoQ) | -0.51% |
| Owned by Insiders (%) | 7.79% |
| Owned by Institutions (%) | 45.10% |
| Float | 5.70M |
Valuation Ratios
The trailing PE ratio is 11.76 and the forward PE ratio is 9.85. First United's PEG ratio is 1.97.
| PE Ratio | 11.76 |
| Forward PE | 9.85 |
| PS Ratio | 3.24 |
| Forward PS | 2.93 |
| PB Ratio | 1.38 |
| P/TBV Ratio | 1.46 |
| P/FCF Ratio | 11.27 |
| P/OCF Ratio | 9.72 |
| PEG Ratio | 1.97 |
Enterprise Valuation
| EV / Earnings | 12.33 |
| EV / Sales | 3.42 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.89 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.89 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.42%.
| Return on Equity (ROE) | 12.42% |
| Return on Assets (ROA) | 1.23% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.24% |
| Revenue Per Employee | $263,641 |
| Profits Per Employee | $73,047 |
| Employee Count | 343 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, First United has paid $8.06 million in taxes.
| Income Tax | 8.06M |
| Effective Tax Rate | 24.34% |
Stock Price Statistics
The stock price has increased by +38.55% in the last 52 weeks. The beta is 0.51, so First United's price volatility has been lower than the market average.
| Beta (5Y) | 0.51 |
| 52-Week Price Change | +38.55% |
| 50-Day Moving Average | 43.38 |
| 200-Day Moving Average | 38.94 |
| Relative Strength Index (RSI) | 57.87 |
| Average Volume (20 Days) | 26,296 |
Short Selling Information
The latest short interest is 92,370, so 1.43% of the outstanding shares have been sold short.
| Short Interest | 92,370 |
| Short Previous Month | 81,742 |
| Short % of Shares Out | 1.43% |
| Short % of Float | 1.62% |
| Short Ratio (days to cover) | 3.10 |
Income Statement
In the last 12 months, First United had revenue of $90.43 million and earned $25.06 million in profits. Earnings per share was $3.86.
| Revenue | 90.43M |
| Gross Profit | 90.43M |
| Operating Income | 36.33M |
| Pretax Income | 33.12M |
| Net Income | 25.06M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.86 |
Balance Sheet
The company has $85.19 million in cash and $101.17 million in debt, with a net cash position of -$15.98 million or -$2.48 per share.
| Cash & Cash Equivalents | 85.19M |
| Total Debt | 101.17M |
| Net Cash | -15.98M |
| Net Cash Per Share | -$2.48 |
| Equity (Book Value) | 212.37M |
| Book Value Per Share | 32.91 |
| Working Capital | -1.71B |
Cash Flow
In the last 12 months, operating cash flow was $30.14 million and capital expenditures -$4.15 million, giving a free cash flow of $25.99 million.
| Operating Cash Flow | 30.14M |
| Capital Expenditures | -4.15M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -71.72M |
| Free Cash Flow | 25.99M |
| FCF Per Share | $4.03 |
Margins
| Gross Margin | n/a |
| Operating Margin | 40.17% |
| Pretax Margin | 36.62% |
| Profit Margin | 27.71% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 28.74% |
Dividends & Yields
This stock pays an annual dividend of $1.04, which amounts to a dividend yield of 2.29%.
| Dividend Per Share | $1.04 |
| Dividend Yield | 2.29% |
| Dividend Growth (YoY) | 18.18% |
| Years of Dividend Growth | 8 |
| Payout Ratio | 26.94% |
| Buyback Yield | -0.05% |
| Shareholder Yield | 2.25% |
| Earnings Yield | 8.55% |
| FCF Yield | 8.87% |
Analyst Forecast
The average price target for First United is $49.50, which is 9.06% higher than the current price. The consensus rating is "Buy".
| Price Target | $49.50 |
| Price Target Difference | 9.06% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on March 13, 1996. It was a forward split with a ratio of 1.05:1.
| Last Split Date | Mar 13, 1996 |
| Split Type | Forward |
| Split Ratio | 1.05:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |