First United Corporation (FUNC)
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 4.96K, so 0.08% of the outstanding shares have been sold short.
| Short Interest | 4.96K |
| Short % of Shares Out | 0.08% |
| Short % of Float | 0.08% |
| Short Ratio (days to cover) | 1 |
Valuation Ratios
The PE ratio is 10.7 and the forward PE ratio is 7.14. First United's PEG ratio is 0.27.
| PE Ratio | 10.7 |
| Forward PE | 7.14 |
| PS Ratio | 2.76 |
| Forward PS | 2.1 |
| PB Ratio | 1.23 |
| P/FCF Ratio | 9.88 |
| PEG Ratio | 0.27 |
Enterprise Valuation
First United has an Enterprise Value (EV) of 207.11M.
| EV / Sales | 2.6 |
| 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 | $274.19K |
| Profits Per Employee | $70.68K |
| Employee Count | 291 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 6.66M |
| Effective Tax Rate | 24.46% |
Stock Price Statistics
The stock price has increased by 32.28% 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 | 32.28% |
| 50-Day Moving Average | 31.68 |
| 200-Day Moving Average | 31.3 |
| Relative Strength Index (RSI) | 51.24 |
| Average Volume (20 Days) | 27.87K |
Income Statement
In the last 12 months, First United had revenue of 79.79M and earned 20.57M in profits. Earnings per share was 3.15.
| Revenue | 79.79M |
| Gross Profit | 44.26M |
| Operating Income | 19.82M |
| Net Income | 20.57M |
| EBITDA | 0 |
| EBIT | -3.79M |
| Earnings Per Share (EPS) | 3.15 |
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 |
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 |
Margins
Gross margin is 55.47%, with operating and profit margins of 24.85% and 25.78%.
| Gross Margin | 55.47% |
| Operating Margin | 24.85% |
| Pretax Margin | 34.13% |
| Profit Margin | 25.78% |
| EBITDA Margin | n/a |
| EBIT Margin | 24.85% |
| FCF Margin | 27.92% |
Dividends & Yields
FUNC pays an annual dividend of $1.06, which amounts to a dividend yield of 3.07%.
| Dividend Per Share | $1.06 |
| Dividend Yield | 3.07% |
| Dividend Growth (YoY) | 10% |
| Payout Ratio | 33.65% |
| Earnings Yield | 9.35% |
| FCF Yield | 10.13% |
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 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 |