First United Statistics
Total Valuation
First United has a market cap or net worth of $239.50 million. The enterprise value is $201.26 million.
Important Dates
The last earnings date was Monday, April 20, 2026, after market close.
| Earnings Date | Apr 20, 2026 |
| Ex-Dividend Date | Apr 17, 2026 |
Share Statistics
First United has 6.45 million shares outstanding. The number of shares has increased by 0.10% in one year.
| Current Share Class | 6.45M |
| Shares Outstanding | 6.45M |
| Shares Change (YoY) | +0.10% |
| Shares Change (QoQ) | -0.25% |
| Owned by Insiders (%) | 7.80% |
| Owned by Institutions (%) | 47.66% |
| Float | 5.93M |
Valuation Ratios
The trailing PE ratio is 9.51 and the forward PE ratio is 8.33.
| PE Ratio | 9.51 |
| Forward PE | 8.33 |
| PS Ratio | 2.72 |
| Forward PS | 2.42 |
| PB Ratio | 1.17 |
| P/TBV Ratio | 1.24 |
| P/FCF Ratio | 10.87 |
| P/OCF Ratio | 9.10 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 7.93 |
| EV / Sales | 2.28 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.13 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.34 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 13.05%.
| Return on Equity (ROE) | 13.05% |
| Return on Assets (ROA) | 1.26% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.81% |
| Revenue Per Employee | $257,140 |
| Profits Per Employee | $73,971 |
| Employee Count | 343 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, First United has paid $8.31 million in taxes.
| Income Tax | 8.31M |
| Effective Tax Rate | 24.66% |
Stock Price Statistics
The stock price has increased by +20.34% 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 | +20.34% |
| 50-Day Moving Average | 37.27 |
| 200-Day Moving Average | 37.06 |
| Relative Strength Index (RSI) | 47.42 |
| Average Volume (20 Days) | 12,535 |
Short Selling Information
The latest short interest is 55,662, so 0.86% of the outstanding shares have been sold short.
| Short Interest | 55,662 |
| Short Previous Month | 55,538 |
| Short % of Shares Out | 0.86% |
| Short % of Float | 0.94% |
| Short Ratio (days to cover) | 6.72 |
Income Statement
In the last 12 months, First United had revenue of $88.20 million and earned $25.37 million in profits. Earnings per share was $3.91.
| Revenue | 88.20M |
| Gross Profit | 88.20M |
| Operating Income | 37.03M |
| Pretax Income | 33.68M |
| Net Income | 25.37M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.91 |
Full Income StatementBalance Sheet
The company has $89.85 million in cash and $51.61 million in debt, with a net cash position of $38.24 million or $5.93 per share.
| Cash & Cash Equivalents | 89.85M |
| Total Debt | 51.61M |
| Net Cash | 38.24M |
| Net Cash Per Share | $5.93 |
| Equity (Book Value) | 205.26M |
| Book Value Per Share | 31.84 |
| Working Capital | -1.67B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $26.33 million and capital expenditures -$4.29 million, giving a free cash flow of $22.04 million.
| Operating Cash Flow | 26.33M |
| Capital Expenditures | -4.29M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -90.75M |
| Free Cash Flow | 22.04M |
| FCF Per Share | $3.42 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 41.98% |
| Pretax Margin | 38.18% |
| Profit Margin | 28.77% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 24.98% |
Dividends & Yields
This stock pays an annual dividend of $1.04, which amounts to a dividend yield of 2.80%.
| Dividend Per Share | $1.04 |
| Dividend Yield | 2.80% |
| Dividend Growth (YoY) | 16.28% |
| Years of Dividend Growth | 8 |
| Payout Ratio | 25.59% |
| Buyback Yield | -0.10% |
| Shareholder Yield | 2.70% |
| Earnings Yield | 10.59% |
| FCF Yield | 9.20% |
Dividend DetailsAnalyst Forecast
The average price target for First United is $44.00, which is 18.44% higher than the current price. The consensus rating is "Buy".
| Price Target | $44.00 |
| Price Target Difference | 18.44% |
| Analyst Consensus | Buy |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 |
