First United Statistics
Total Valuation
First United has a market cap or net worth of $278.48 million. The enterprise value is $294.47 million.
| Market Cap | 278.48M |
| Enterprise Value | 294.47M |
Important Dates
The next estimated earnings date is Friday, October 23, 2026, after market close.
| Earnings Date | Oct 23, 2026 |
| Ex-Dividend Date | Oct 19, 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 (%) | 7.83% |
| Owned by Institutions (%) | 49.74% |
| Float | 5.93M |
Valuation Ratios
The trailing PE ratio is 11.18 and the forward PE ratio is 9.36. First United's PEG ratio is 1.87.
| PE Ratio | 11.18 |
| Forward PE | 9.36 |
| PS Ratio | 3.08 |
| Forward PS | 2.79 |
| PB Ratio | 1.31 |
| P/TBV Ratio | 1.38 |
| P/FCF Ratio | 10.72 |
| P/OCF Ratio | 9.24 |
| PEG Ratio | 1.87 |
Enterprise Valuation
| EV / Earnings | 11.75 |
| EV / Sales | 3.26 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.33 |
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) | 5.19% |
| 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 +18.35% 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 | +18.35% |
| 50-Day Moving Average | 43.91 |
| 200-Day Moving Average | 40.25 |
| Relative Strength Index (RSI) | 46.19 |
| Average Volume (20 Days) | 34,413 |
Short Selling Information
The latest short interest is 88,234, so 1.37% of the outstanding shares have been sold short.
| Short Interest | 88,234 |
| Short Previous Month | 92,581 |
| Short % of Shares Out | 1.37% |
| Short % of Float | 1.49% |
| Short Ratio (days to cover) | 5.05 |
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 $1.12, which amounts to a dividend yield of 2.60%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 2.60% |
| Dividend Growth (YoY) | 15.22% |
| Years of Dividend Growth | 8 |
| Payout Ratio | 29.02% |
| FCF Payout Ratio | 27.81% |
| Buyback Yield | -0.05% |
| Shareholder Yield | 2.55% |
| Earnings Yield | 9.00% |
| FCF Yield | 9.33% |
Analyst Forecast
The average price target for First United is $50.00, which is 15.88% higher than the current price. The consensus rating is "Buy".
| Price Target | $50.00 |
| Price Target Difference | 15.88% |
| 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 |