First United Corporation

FUNC

$43.94

+0.34%

N/A+$0.15

Financial Services

Banks - Regional

NASDAQ

Active Trading

First United Corporation acts as the holding company for First United Bank & Trust, which delivers a wide array of retail and ...

Financial Highlights of FUNC

Profitability trend

Latest / TTM · 6 periods

Gross Margin

71.9%

Net Margin

20.4%

P/E Ratio

11.37x

n/a

Debt / Equity

0.48

n/a

Current Ratio

0.22

Dividend Yield

2.4%

Understanding

TTM —

Current ratio below 1.0

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

71.9%

Net Margin

20.4%

P/E Ratio

11.37x

Debt / Equity

0.48

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	93.8%	94.8%	73.0%	68.8%	70.2%	—
Operating MarginOperating income as a percentage of revenue.	33.5%	41.2%	20.4%	24.4%	27.3%	—
Net MarginNet income as a percentage of revenue.	25.1%	31.1%	15.8%	18.4%	20.6%	—
EBITDA MarginEBITDA divided by revenue.	37.8%	45.8%	25.5%	27.7%	29.9%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	33.5%	41.2%	20.4%	24.4%	27.3%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	0.27	0.13	0.10	0.10	0.09	—
Quick RatioLiquid assets divided by current liabilities.	0.27	0.13	0.10	0.10	0.09	—
Cash RatioCash and equivalents divided by current liabilities.	0.08	0.05	0.03	0.05	0.07	—
Debt / AssetsDebt as a share of total assets.	5.3%	5.3%	8.3%	9.5%	5.5%	—
Debt / EquityDebt compared with shareholder equity.	0.64	0.64	0.98	1.05	0.56	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	5.84x	13.29x	12.77x	14.96x	15.08x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	0.31x	27.56x	42.26x	71.44x	37.23x	—
Asset TurnoverRevenue generated per dollar of assets.	0.05x	0.04x	0.05x	0.06x	0.06x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	-0.07x	-0.06x	-0.07x	-0.08x	-0.08x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	6.36x	5.21x	10.45x	10.70x	9.90x	—
P/B RatioPrice paid for each dollar of book value.	0.89x	0.86x	0.97x	1.23x	1.19x	—
P/S RatioPrice paid for each dollar of sales.	1.60x	1.62x	1.64x	1.97x	2.04x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	6.66x	5.69x	7.11x	10.81x	15.77x	—
Dividend YieldAnnual dividend divided by current share price.	3.1%	3.1%	3.3%	2.4%	2.5%	—

Upstream

Creatio8x8 Inc.NYSE:EGHT Verafin (a Nasdaq company)NASDAQ:NDAQ nCino Inc. (Sandbox Banking / Glyue)NASDAQ:NCNOCHI CorporationBancCard of America Inc.Fitech PaymentsBridgepointe TechnologiesMicrosoft CorporationNASDAQ:MSFT Broadcom Inc. (VMware)NASDAQ:AVGO Visa Inc.NYSE:V Mastercard Inc.NYSE:MA The Bank of New York Mellon CorporationNYSE:BKFederal Reserve SystemFederal Deposit Insurance Corporation (FDIC)

Downstream

Retail Banking Customers (Individuals & Families in MD/WV)Commercial & SME Customers (MD/WV Markets)Trust & Wealth Management ClientsBrokerage & Investment Services ClientsMunicipal & Government Entities (MD/WV Counties)First United Insurance Agency (third-party carriers)

Proxies

Shore Bancshares Inc.NASDAQ:SHBI C&F Financial CorporationNASDAQ:CFFI Peoples Bancorp of North Carolina Inc.NASDAQ:PEBK

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First United Corporation

Financial Highlights of FUNC

Financial highlights

Snapshot

Profitability

Liquidity & leverage

Operating efficiency

Valuation ratios

Supply Chain of FUNC

Upstream

Downstream

Proxies

Financial Highlights of FUNC

Financial highlights

Snapshot

Profitability

Liquidity & leverage

Operating efficiency

Valuation ratios

Supply Chain of FUNC

Upstream

Downstream

Proxies