First United Corporation

26.00
-1.13 (-4.17%)
At close: Apr 04, 2025, 3:59 PM
25.88
-0.45%
After-hours: Apr 04, 2025, 04:24 PM EDT

First United Statistics

Share Statistics

First United has 6.47M shares outstanding. The number of shares has increased by -2.64% in one year.

Shares Outstanding 6.47M
Shares Change (YoY) -2.64%
Shares Change (QoQ) 0.07%
Owned by Institutions (%) 43.81%
Shares Floating 5.94M
Failed to Deliver (FTD) Shares 67
FTD / Avg. Volume 0.24%

Short Selling Information

The latest short interest is 13.5K, so 0.21% of the outstanding shares have been sold short.

Short Interest 13.5K
Short % of Shares Out 0.21%
Short % of Float 0.23%
Short Ratio (days to cover) 0.46

Valuation Ratios

The PE ratio is 10.7 and the forward PE ratio is 9.75. First United's PEG ratio is 0.27.

PE Ratio 10.7
Forward PE 9.75
PS Ratio 31.57
Forward PS 1.9
PB Ratio 1.23
P/FCF Ratio 9.88
PEG Ratio 0.27
Financial Ratio History

Enterprise Valuation

First United has an Enterprise Value (EV) of 207.11M.

EV / Sales 29.72
EV / EBITDA 0
EV / EBIT 9.3
EV / FCF 9.3

Financial Position

The company has a current ratio of 2.74, with a Debt / Equity ratio of 0.36.

Current Ratio 2.74
Quick Ratio 2.74
Debt / Equity 0.36
Debt / EBITDA -
Debt / FCF 2.94
Interest Coverage 0.62

Financial Efficiency

Return on Equity is 11.47% and Return on Invested Capital is 6.45%.

Return on Equity 11.47%
Return on Assets 1.04%
Return on Invested Capital 6.45%
Revenue Per Employee $23.95K
Profits Per Employee $70.68K
Employee Count 291
Asset Turnover 0
Inventory Turnover n/a

Taxes

Income Tax 6.66M
Effective Tax Rate 24.46%

Stock Price Statistics

The stock price has increased by 19.44% in the last 52 weeks. The beta is 0.58, so First United's price volatility has been higher than the market average.

Beta 0.58
52-Week Price Change 19.44%
50-Day Moving Average 33.71
200-Day Moving Average 30.69
Relative Strength Index (RSI) 28.06
Average Volume (20 Days) 28.48K

Income Statement

In the last 12 months, First United had revenue of 6.97M and earned 20.57M in profits. Earnings per share was 3.15.

Revenue 6.97M
Gross Profit -28.56M
Operating Income 19.82M
Net Income 20.57M
EBITDA 0
EBIT -3.79M
Earnings Per Share (EPS) 3.15
Full Income Statement

Balance Sheet

The company has 78.33M in cash and 65.41M in debt, giving a net cash position of 12.92M.

Cash & Cash Equivalents 78.33M
Total Debt 65.41M
Net Cash 12.92M
Retained Earnings 189M
Total Assets 1.97B
Working Capital 49.44M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 22.28M and capital expenditures 0, giving a free cash flow of 22.28M.

Operating Cash Flow 22.28M
Capital Expenditures 0
Free Cash Flow 22.28M
FCF Per Share 3.41
Full Cash Flow Statement

Margins

Gross margin is -409.83%, with operating and profit margins of 284.47% and 295.15%.

Gross Margin -409.83%
Operating Margin 284.47%
Pretax Margin 390.73%
Profit Margin 295.15%
EBITDA Margin n/a
EBIT Margin 284.47%
FCF Margin 319.72%

Dividends & Yields

FUNC pays an annual dividend of $1.06, which amounts to a dividend yield of 2.86%.

Dividend Per Share $1.06
Dividend Yield 2.86%
Dividend Growth (YoY) 10%
Payout Ratio 33.65%
Earnings Yield 9.35%
FCF Yield 10.13%
Dividend Details

Analyst Forecast

Currently there are no analyst rating for FUNC.

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Stock Forecasts

Stock Splits

The last stock split was on Mar 13, 1996. It was a forward split with a ratio of 21:20.

Last Split Date Mar 13, 1996
Split Type forward
Split Ratio 21:20

Scores

Altman Z-Score 0.28
Piotroski F-Score 8