StockData
FUNCNasdaqNational Commercial BanksFiscal year ends December 31

FIRST UNITED CORP/MD/

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$43.63−0.61 (-1.38%)

Close on Oct 19, 2026

Market cap
$281.89M
P/E (TTM)
11.3
Dividend yield
2.20%

First United statistics

Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison

Valuation

MeasureFirst UnitedIndustry median
Market Cap$281.58M$679.86M
Enterprise Value$265.63M$408.94M
PE Ratio11.2712.00
PS Ratio3.023.61
PB Ratio1.331.18
P/TBV Ratio1.331.41
P/FCF Ratio10.8310.93
P/OCF Ratio9.3410.04

Enterprise value

MeasureFirst UnitedIndustry median
EV / Sales2.852.78
EV / FCF10.228.25

Income (trailing twelve months)

MeasureFirst UnitedIndustry median
Revenue$93.32M$170.85M
Pretax Income$33.12M$70.12M
Net Income$25.06M$54.33M
EPS (Diluted)$3.87$2.90

Margins

MeasureFirst UnitedIndustry median
Pretax Margin35.5%36.4%
Profit Margin26.8%29.1%
FCF Margin27.9%33.0%

Returns

MeasureFirst UnitedIndustry median
Return on Equity (ROE)12.4%10.5%
Return on Assets (ROA)1.23%1.12%

Growth

MeasureFirst UnitedIndustry median
Revenue Growth (YoY)11.4%11.8%
Net Income Growth (YoY)5.51%23.1%
EPS Growth (YoY)6.03%22.7%
FCF Growth (YoY)54.0%27.1%
Revenue Growth (3Y CAGR)4.48%5.82%
Revenue Growth (5Y CAGR)5.68%6.17%
EPS Growth (3Y CAGR)0.09%1.26%
EPS Growth (5Y CAGR)13.9%8.24%

Balance sheet

MeasureFirst UnitedIndustry median
Cash & Short-Term Investments$85.19M$205.54M
Total Debt$69.23M$177.19M
Net Cash (Debt)$15.96M$164.40M
Net Cash Per Share$2.47$8.13
Equity (Book Value)$212.37M$560.44M
Book Value Per Share$32.91$28.47
Tangible Book Value$212.37M$472.29M

Financial position

MeasureFirst UnitedIndustry median
Debt / Equity0.330.20
Debt / FCF2.661.81

Cash flow (trailing twelve months)

MeasureFirst UnitedIndustry median
Operating Cash Flow$30.14M$61.20M
Capital Expenditures-$4.15M-$4.02M
Free Cash Flow$25.99M$52.43M
FCF Per Share$4.03$3.07

Efficiency

MeasureFirst UnitedIndustry median
Asset Turnover0.050.04
Revenue Per Employee$272.06K$353.78K
Profits Per Employee$73.05K$107.28K
Employee Count343489

Dividends and yields

MeasureFirst UnitedIndustry median
Earnings Yield8.90%8.07%
FCF Yield9.23%8.89%
Dividend Yield2.20%2.48%
Buyback Yield-0.12%1.55%
Shareholder Yield2.08%3.13%
Dividend Per Share$0.96$0.93
Dividend Growth (YoY)14.3%4.26%
Years of Dividend Growth72
Payout Ratio25.9%29.4%
FCF Payout Ratio24.9%26.0%

Shares

MeasureFirst UnitedIndustry median
Shares Outstanding6,453,84018,839,100
Shares Change (YoY)0.05%0.39%
Shares Change (QoQ)0.11%0.00%
Float6,160,87017,061,900
Shares Held by Insiders4.54%5.89%
Shares Held by Institutions49.5%61.9%

Taxes

MeasureFirst UnitedIndustry median
Income Tax$8.06M$14.50M
Effective Tax Rate24.3%21.1%

Scores

MeasureFirst UnitedIndustry median
Graham Number$53.53$45.31
Graham Upside22.7%21.6%
Altman Z-Score0.280.21
Piotroski F-Score66

Calculated by StockData from First United's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.