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.
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 |