First United Corporation (FUNC)
NASDAQ: FUNC · Real-Time Price · USD
45.40
+2.10 (4.85%)
At close: Jun 26, 2026, 4:00 PM EDT
45.40
0.00 (0.00%)
After-hours: Jun 26, 2026, 4:31 PM EDT

First United Statistics

Total Valuation

First United has a market cap or net worth of $292.68 million. The enterprise value is $254.45 million.

Market Cap 292.68M
Enterprise Value 254.45M

Important Dates

The next estimated earnings date is Monday, July 20, 2026, before market open.

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 0.10% 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 (%) 7.95%
Owned by Institutions (%) 47.66%
Float 5.92M

Valuation Ratios

The trailing PE ratio is 11.62 and the forward PE ratio is 10.32. First United's PEG ratio is 2.06.

PE Ratio 11.62
Forward PE 10.32
PS Ratio 3.32
Forward PS 3.03
PB Ratio 1.43
P/TBV Ratio 1.51
P/FCF Ratio 13.28
P/OCF Ratio 11.12
PEG Ratio 2.06
Financial Ratio History

Enterprise Valuation

EV / Earnings 10.03
EV / Sales 2.88
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 11.55

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) 6.08%
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 +57.15% 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 +57.15%
50-Day Moving Average 39.08
200-Day Moving Average 37.68
Relative Strength Index (RSI) 77.91
Average Volume (20 Days) 27,501

Short Selling Information

The latest short interest is 51,932, so 0.81% of the outstanding shares have been sold short.

Short Interest 51,932
Short Previous Month 43,915
Short % of Shares Out 0.81%
Short % of Float 0.88%
Short Ratio (days to cover) 3.57

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 Statement

Balance Sheet

The company has $89.85 million in cash and $51.61 million in debt, giving 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 Sheet

Cash 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 Statement

Margins

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 2.29%.

Dividend Per Share $1.04
Dividend Yield 2.29%
Dividend Growth (YoY) 18.18%
Years of Dividend Growth 8
Payout Ratio 26.61%
Buyback Yield -0.10%
Shareholder Yield 2.31%
Earnings Yield 8.67%
FCF Yield 7.53%
Dividend Details

Analyst Forecast

The average price target for First United is $44.25, which is -2.53% lower than the current price. The consensus rating is "Buy".

Price Target $44.25
Price Target Difference -2.53%
Analyst Consensus Buy
Analyst Count 2
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) n/a
Stock Forecasts

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