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First United Corporation

First United Corporation’s revenue for fiscal 2025 (year ended December 2025) was $121.4 million, up 8.58% from fiscal 2024. In the quarter to June 2026, revenue grew 5.24%, EPS fell 4.35%, free cash flow grew 705.5% and total debt fell 74.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.

44.24 0.32 +0.73%

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Market cap: $283.5M
P/E: 11.4×
Fwd P/E: 9.1×
Dividend yield: 2.98%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	18.99	30.00	10.54	13.02	7.60	6.36	5.21	10.58	10.67	9.90
Piotroski F-Score Full definition →	5	6	8	7	6	7	8	5	7	7
P/S ratio Full definition →	1.65	1.97	1.67	2.29	1.41	1.59	1.62	1.66	1.97	2.00
P/FCF ratio Full definition →	12.76	16.50	12.79	13.78	7.45	6.65	5.62	6.87	10.81	15.77
P/Operating CF Full definition →	28.18	12.38	10.54	16.61	12.98	13.13	16.71	27.90	23.80	24.55
P/B ratio Full definition →	1.07	1.11	0.96	1.36	0.83	0.89	0.86	0.98	1.23	1.19
Price to Tangible BV Full definition →	1.21	1.24	1.06	1.49	0.90	0.97	0.94	1.06	1.31	1.26
EV/Sales Full definition →	2.78	2.57	2.82	2.97	0.78	0.52	1.08	2.30	2.35	1.70
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	14.65	12.21	10.39	13.55	3.71	2.05	3.29	9.80	11.79	10.65
EV/FCF Full definition →	21.50	21.59	21.57	17.88	4.12	2.17	3.75	9.51	12.90	13.39
Quick Ratio Full definition →	0.06	0.08	0.02	0.04	0.10	0.08	0.05	0.03	0.05	0.08
Current Ratio Full definition →	0.90	0.89	0.89	0.91	0.88	0.82	0.82	0.91	0.94	0.94
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	9.99%	9.05%	7.29%	7.00%	5.82%	1.79%	1.67%	5.82%	6.13%	4.60%
Debt/Equity Full definition →	1.16	1.12	0.86	0.80	0.77	0.22	0.20	0.69	0.67	0.47
Asset Turnover Full definition →	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06
Operating CF/Net income Full definition →	2.19	3.19	1.72	1.25	1.17	1.01	1.06	1.49	1.08	0.79
Capex/Depreciation Full definition →	(2.15)	(3.66)	(5.31)	(1.55)	(1.00)	(1.56)	(1.21)	0.18	(0.66)	(1.87)
ROE Full definition →	5.70%	4.01%	9.46%	10.81%	10.77%	14.49%	17.06%	9.60%	12.06%	12.80%
ROA Full definition →	0.40%	0.31%	0.78%	0.93%	0.87%	1.14%	1.40%	0.80%	1.06%	1.21%
ROIC Full definition →	3.45%	5.24%	4.32%	5.82%	13.47%	28.79%	19.13%	5.46%	7.67%	12.18%
Return on Tangible Assets Full definition →	(6.64%)	(4.58%)	(12.24%)	(19.49%)	(10.24%)	(8.19%)	(9.81%)	(12.65%)	(33.25%)	(34.12%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	69.78%	68.04%	68.07%	62.53%	64.26%	59.47%	52.82%	54.24%	47.02%	46.24%
Intangible Assets out of Total Assets Full definition →	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →	0.32%	0.31%	0.37%	0.36%	0.45%	0.60%	0.66%	0.55%	0.43%	0.63%
Graham Net Nets Full definition →	(2.38)	(1.99)	(2.01)	(1.23)	(2.64)	(2.55)	(2.69)	(1.87)	(1.11)	(0.95)
Graham Number Full definition →	16.81	14.28	23.70	27.17	29.31	37.47	44.00	35.01	44.19	51.66
Earnings Yield Full definition →	5.27%	3.33%	9.48%	7.68%	13.16%	15.72%	19.19%	9.45%	9.37%	10.10%
Free Cash Flow Yield Full definition →	7.84%	6.06%	7.82%	7.26%	13.42%	15.04%	17.79%	14.56%	9.25%	6.34%
Revenue per Share Full definition →	9.66	8.84	9.53	10.52	10.96	11.77	12.10	14.30	17.13	18.71
Operating CF per Share Full definition →	1.83	1.86	2.58	2.31	2.31	2.98	3.99	3.36	3.41	2.99
Capex per Share Full definition →	(0.58)	(0.81)	(1.34)	(0.56)	(0.23)	(0.16)	(0.50)	0.11	(0.29)	(0.61)
Free Cash Flow per Share Full definition →	1.25	1.05	1.24	1.75	2.08	2.82	3.50	3.47	3.12	2.37
Cash per Share Full definition →	10.11	12.08	3.33	7.04	21.34	17.25	11.18	7.44	12.00	20.44
Shareholders Equity per Share Full definition →	18.15	15.64	16.54	17.74	18.71	21.15	22.83	24.21	27.47	31.38
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	18.15	15.64	16.54	17.74	18.71	21.15	22.83	24.21	27.47	31.38
Free Cash Flow Full definition →	7.83	7.31	8.81	12.42	14.57	18.93	23.25	23.17	20.36	15.41
Working Capital Full definition →	(106.32)	(119.42)	(125.03)	(106.06)	(172.01)	(276.16)	(290.40)	(150.48)	(91.94)	(101.51)
Capital Expenditures Full definition →	(3.66)	(5.62)	(9.48)	(3.97)	(1.60)	(1.09)	(3.29)	0.70	(1.92)	(3.97)
Net Current Asset Value Full definition →	(238.06)	(240.35)	(226.60)	(211.15)	(286.11)	(321.24)	(351.33)	(297.46)	(244.94)	(231.56)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.06	0.09	0.14	0.05	0.02	0.01	0.04	(0.01)	0.02	0.03
Price to Operating Income Full definition →	9.93	9.88	8.39	10.39	6.10	4.78	3.94	8.17	8.08	7.47
Other line items
Depreciation/Fixed assets Full definition →	0.06	0.05	0.05	0.07	0.04	0.02	0.08	0.13	0.10	0.07
Cash ROIC Full definition →	2.54%	2.33%	3.65%	4.49%	3.82%	6.56%	9.04%	7.18%	5.38%	3.56%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.02	0.02	0.02
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	45,019.29	51,468.91	48,033.45	36,155.90	53,771.47	93,860.96	119,715.50	23,310.00	17,954.48	19,347.16
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	1,006.51	1,026.81	1,053.46	1,104.78	1,282.20	1,445.87	1,520.05	1,560.86	1,562.90	1,654.99
Average Assets Full definition →	1,320.82	1,327.33	1,360.12	1,412.89	1,587.72	1,731.63	1,789.00	1,877.01	1,939.44	2,030.24
Average Common Equity Full definition →	92.23	101.04	112.73	121.50	128.49	136.47	146.85	156.83	170.58	191.46

Show all line items

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