First United Statistics
Total Valuation
First United has a market cap or net worth of $296.35 million. The enterprise value is $286.17 million.
| Market Cap | 296.35M |
| Enterprise Value | 286.17M |
Important Dates
The last earnings date was Monday, October 19, 2026, after market close.
| Earnings Date | Oct 19, 2026 |
| Ex-Dividend Date | Oct 19, 2026 |
Share Statistics
First United has 6.46 million shares outstanding. The number of shares has decreased by -0.18% in one year.
| Current Share Class | 6.46M |
| Shares Outstanding | 6.46M |
| Shares Change (YoY) | -0.18% |
| Shares Change (QoQ) | +0.06% |
| Owned by Insiders (%) | 7.81% |
| Owned by Institutions (%) | 49.35% |
| Float | 5.94M |
Valuation Ratios
The trailing PE ratio is 11.75 and the forward PE ratio is 9.51. First United's PEG ratio is 1.90.
| PE Ratio | 11.75 |
| Forward PE | 9.51 |
| PS Ratio | 3.24 |
| Forward PS | 2.90 |
| PB Ratio | 1.38 |
| P/TBV Ratio | 1.46 |
| P/FCF Ratio | 11.40 |
| P/OCF Ratio | 9.83 |
| PEG Ratio | 1.90 |
Enterprise Valuation
| EV / Earnings | 11.32 |
| EV / Sales | 3.13 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.01 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.30 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.49 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.24%.
| Return on Equity (ROE) | 12.24% |
| 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) | 5.81% |
| Revenue Per Employee | $266,741 |
| Profits Per Employee | $73,726 |
| 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 | 24.17% |
Stock Price Statistics
The stock price has increased by +30.90% 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 | +30.90% |
| 50-Day Moving Average | 43.88 |
| 200-Day Moving Average | 40.77 |
| Relative Strength Index (RSI) | 58.87 |
| Average Volume (20 Days) | 34,522 |
Short Selling Information
The latest short interest is 78,698, so 1.22% of the outstanding shares have been sold short.
| Short Interest | 78,698 |
| Short Previous Month | 88,234 |
| Short % of Shares Out | 1.22% |
| Short % of Float | 1.32% |
| Short Ratio (days to cover) | 2.03 |
Income Statement
In the last 12 months, First United had revenue of $91.49 million and earned $25.29 million in profits. Earnings per share was $3.90.
| Revenue | 91.49M |
| Gross Profit | 91.49M |
| Operating Income | 36.51M |
| Pretax Income | 33.35M |
| Net Income | 25.29M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.90 |
Balance Sheet
The company has $74.87 million in cash and $64.69 million in debt, with a net cash position of $10.18 million or $1.57 per share.
| Cash & Cash Equivalents | 74.87M |
| Total Debt | 64.69M |
| Net Cash | 10.18M |
| Net Cash Per Share | $1.57 |
| Equity (Book Value) | 213.99M |
| Book Value Per Share | 33.10 |
| Working Capital | -1.73B |
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 | $4.02 |
Margins
| Gross Margin | n/a |
| Operating Margin | 39.90% |
| Pretax Margin | 36.45% |
| Profit Margin | 27.64% |
| 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 2.44%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 2.44% |
| Dividend Growth (YoY) | 15.22% |
| Years of Dividend Growth | 8 |
| Payout Ratio | 28.72% |
| FCF Payout Ratio | 27.86% |
| Buyback Yield | 0.18% |
| Shareholder Yield | 2.62% |
| Earnings Yield | 8.51% |
| FCF Yield | 8.77% |
Analyst Forecast
The average price target for First United is $50.00, which is 9.08% higher than the current price. The consensus rating is "Buy".
| Price Target | $50.00 |
| Price Target Difference | 9.08% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (3Y) | 7.30% |
| EPS Growth Forecast (3Y) | 9.38% |
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 |