First United Corporation

FUNC | NASDAQ

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$43.64

-$0.67 (-1.51%)

At close: Sep 21, 2026, 4:00 PM ET

$43.44

-$0.20 (-0.46%)

Pre-market: Sep 22, 2026, 4:02 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $281.65M

Enterprise Value $190.62M

Beta 0.50

Average Volume 21.4K

Shares Outstanding (Diluted) 6.46M

Shares Change YoY -0.69%

Institutional Ownership 47.14%

Exchange NASDAQ

ISIN US33741H1077

Price Performance

Price Change 1M 0.5%

Price Change 3M 1.1%

Price Change 6M 18.9%

Price Change YTD 17.7%

Price Change 1Y 15.3%

Price Change 3Y 169.4%

Price Change 5Y 136.7%

1M CAGR (ann.) -2.5%

1Y CAGR (ann.) 16.7%

5Y CAGR (ann.) 23.3%

All-Time CAGR 5.8%

Valuation

PE Ratio 11.31

Forward PE 9.13

PEG Ratio 2.07

Forward PEG 1.70

PS Ratio 2.29

Forward PS 2.70

PB Ratio 1.33

P/FCF Ratio 12.62

P/Adj. FCF Ratio 12.96

P/OCF Ratio 9.34

EV/Sales 1.55

EV/EBIT 5.76

EV/EBITDA 5.40

EV/FCF 8.54

Earnings Yield 8.8%

FCF Yield 7.9%

Adj. FCF Yield 7.7%

Financial Health

Net Cash $92.03M

Total Debt $101.17M

Cash & Short-Term Investments $84.2M

Total Assets $2.08B

Current Ratio 0.22

Quick Ratio 0.22

Debt / Equity Ratio 0.48

Debt / EBITDA 2.86

Debt / FCF 4.53

OCF / Debt 0.26

Interest Coverage 1.04

Altman Z-Score -0.48

Piotroski F-Score 9

Margins & Profitability

Gross Profit Margin 71.9%

Operating Profit Margin 26.9%

EBITDA Margin 28.7%

Net Profit Margin 20.4%

FCF Margin 18.1%

Adj. FCF Margin 17.7%

SBC / Revenue 0.5%

SBC Impact (per share) -2.7%

Returns

Return on Assets 1.2%

Return on Equity 12.2%

Return on Invested Capital 8.0%

Return on Capital Employed 13.4%

Return on Tangible Assets 1.2%

Historical Growth (CAGR)

Revenue CAGR 3Y 11.3%

Revenue CAGR 5Y 9.7%

Revenue CAGR 10Y 8.0%

EPS CAGR 3Y 4.4%

EPS CAGR 5Y 8.5%

EPS CAGR 10Y 7.6%

FCF CAGR 3Y -1.6%

FCF CAGR 5Y 2.9%

FCF CAGR 10Y 0.0%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 1

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 25, 2026

EPS Estimate (next Q) $1.16

EPS Growth Est (next Q) 8.4%

Revenue Est (next Q) $24.37M

Revenue Growth Est (next Q) 8.4%

Fair Value Estimates

Graham Number $53.47

Graham Upside 22.5%

Lynch Fair Value $32.73

Lynch Upside -25.0%

Price Target $49.50

Price Target Upside 13.4%

Cash Flow

Operating Cash Flow $26.33M

Free Cash Flow $22.32M

Adj. Free Cash Flow $21.73M

FCF Per Share $4.07

OCF Per Share $4.67

OCF/S Ratio 24.5%

Income Statement

Revenue $122.97M

Gross Profit $88.38M

Operating Income $33.12M

EBITDA $35.31M

Net Income $25.06M

EPS (Diluted) $3.86

Revenue / Employee $373.76K

Profit / Employee $76.16K

Employees 329

Dividends

Annual Dividend $1.04

Dividend Yield 2.38%

Payout Ratio 26.9%

FCF Payout Ratio 27.9%

Adj. FCF Payout Ratio 28.7%

Dividend Growth (YoY) 18.2%

Pay Frequency Quarterly

Ex-Dividend Date Jul 19, 2026