Stocktoria

FIRST UNITED CORP/MD/ FUNC

Nasdaq · stock · National Commercial Banks · website · IPO 1992-09-02

FIRST UNITED CORP/MD/ statistics & valuation

Market cap$292.7M
P / E11.9×
P / S15.9×
P / B1.4×
P / FCF19.0×
Dividend yield2.04%
Net margin133.0%
Return on equity12.0%
FCF margin83.6%
Net cash$35.7M
Enterprise value USD$257.0M
Graham number +13%$51.53

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($51.53); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
44.60% 84.80% 101.30% 99.00% 123.10% 155.00% 90.30% 116.10% 133.00% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.40% 4.90% 9.10% 10.40% 10.60% 13.90% 16.50% 9.30% 11.50% 12.00% 2016201720182019202020212022202320242025
Shares outstanding
6.3M 7.1M 7.1M 7.1M 7.0M 6.7M 6.7M 6.7M 6.5M 6.5M 2016201720182019202020212022202320242025
Net debt ($)
$68.4M $37.2M $77.4M $51.0M -$48.5M -$84.8M -$43.4M $61.2M $42.6M -$35.7M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.60% 0.40% 0.80% 0.90% 0.80% 1.10% 1.40% 0.80% 1.00% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
53.90% 70.00% 95.80% 104.20% 117.70% 142.10% 132.70% 114.90% 83.60% 2016201720182019202020212022202320242025
Debt / equity (×)
1.16× 1.12× 0.86× 0.80× 0.77× 0.22× 0.20× 0.69× 0.67× 0.47× 2016201720182019202020212022202320242025
EPS ($)
$1.85 $1.97 $2.95 $3.76 $2.25 $3.15 $3.77 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

FIRST UNITED CORP/MD/ trades at about 12.1× earnings — above its 10-year norm (10-year range 5.2×–12.9×, median 10.2×).

5.2× 12.9×

Shaded band = 10-year range (5.2×–12.9×); dot = today's 12.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin133.0%116.1%90.3%155.0%123.1%99.0%101.3%84.8%44.6%—
FCF margin83.6%114.9%132.7%142.1%117.7%104.2%95.8%70.0%53.9%—
Return on assets1.2%1.0%0.8%1.4%1.1%0.8%0.9%0.8%0.4%0.6%
Return on equity12.0%11.5%9.3%16.5%13.9%10.6%10.4%9.1%4.9%6.4%
Debt / equity0.47×0.67×0.69×0.20×0.22×0.77×0.80×0.86×1.12×1.16×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.