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Overview
Profile

First United stock

FUNC
US33741H1077
923764

Price

34.62
Today +/-
+0.08
Today %
+0.23 %
P

First United stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the First United stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the First United stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the First United stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze First United's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

First United Stock Price History

DateFirst United Price
11/15/202434.62 undefined
11/14/202434.54 undefined
11/13/202434.95 undefined
11/12/202434.86 undefined
11/11/202434.82 undefined
11/8/202433.95 undefined
11/7/202433.65 undefined
11/6/202434.01 undefined
11/5/202431.78 undefined
11/4/202431.62 undefined
11/1/202431.68 undefined
10/31/202431.74 undefined
10/30/202431.65 undefined
10/29/202431.10 undefined
10/28/202431.20 undefined
10/25/202431.07 undefined
10/24/202431.20 undefined
10/23/202431.16 undefined
10/22/202431.21 undefined
10/21/202431.32 undefined

First United Revenue, EBIT, Net Income

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Revenue
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into First United, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by First United from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects First United’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of First United. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into First United’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing First United’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on First United’s growth potential.

First United Revenue, EBIT and net profit per share

DateFirst United RevenueFirst United Net Income
2026e95.36 M undefined24.75 M undefined
2025e86.84 M undefined21.78 M undefined
2024e81.13 M undefined20.19 M undefined
202395.63 M undefined15.06 M undefined
202280.47 M undefined25.05 M undefined
202179.01 M undefined19.77 M undefined
202076.78 M undefined13.84 M undefined
201974.7 M undefined13.13 M undefined
201867.46 M undefined10.67 M undefined
201761.29 M undefined4.05 M undefined
201660.51 M undefined5.26 M undefined
201571.04 M undefined10.29 M undefined
201460.35 M undefined3 M undefined
201363.18 M undefined4.67 M undefined
201268.45 M undefined2.97 M undefined
201176.77 M undefined2.02 M undefined
201071.73 M undefined-11.76 M undefined
200974.45 M undefined-12.75 M undefined
2008108.99 M undefined8.87 M undefined
2007108.66 M undefined12.79 M undefined
200694.31 M undefined12.58 M undefined
200583.85 M undefined12.15 M undefined
200473.65 M undefined7.63 M undefined

First United Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
1991199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
41373536414449536271726669738394108108747176686360716061677476798095818695
--9.76-5.412.8613.897.3211.368.1616.9814.521.41-8.334.555.8013.7013.2514.89--31.48-4.057.04-10.53-7.35-4.7618.33-15.491.679.8410.452.703.951.2718.75-14.746.1710.47
------------------------------------
000000000000000000000000000000000000
00000000000000000000000000000000029340
------------------------------------
5666566778991071212128-12-1122431054101313192515202124
-20.00---16.6720.00-16.67-14.2912.50-11.11-30.0071.43---33.33-250.00-8.33-118.18-100.00-25.00233.33-50.00-20.00150.0030.00-46.1531.58-40.0033.335.0014.29
------------------------------------
------------------------------------
6.456.466.496.56.56.496.346.216.116.086.086.086.096.096.116.136.156.116.126.166.186.196.216.226.256.266.937.087.17.016.726.666.7000
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Details

Keystats

ⓘ

Revenue and Growth

The First United Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the First United is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (M)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (k)EQUITY (M)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (M)
19921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                               
00000000000000000000000000000000
00000000000000000000000000000000
00000000000000000000000000000000
00000000000000000000000000000000
00000000000000000000000000000000
00000000000000000000000000000000
6.889.49.69.39.39.19.810.811.513.216.623.52729.931.431.131.732.930.829.526.925.625.227.230.937.941.439.336.936.832.83
00000000000000000000054.4002.61.91.10.3000
00000000000000000000000000000000
00000000000002.72.62.74.43.31.8-2.2-3.800000000000
00000000000.815.715.111.911.911.911.911.912.916.714.8111111111111111112.112.412.1
0000000000000001.729.629.226.428.728.929.225.919.819.39.37.87.4811.618.622.34
6.889.49.69.39.39.19.810.811.51432.338.641.644.447.77776.1747469.472.166.95657.553.858.660.958.660.667.867.27
6.889.49.69.39.39.19.810.811.51432.338.641.644.447.77776.1747469.472.166.95657.553.858.660.958.660.667.867.27
                                                               
0.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.129.829.9303030.130.130.120.10.10.10.10.10.10.10.07
22.62323.123.226.723.521.420.320.220.220.220.320.520.921.421.420.521.321.421.521.621.721.82222.231.631.932.430.123.724.423.73
22.225.329.432.129.932.936.640.745.150.355.762.265.47380.988.993.176.164.266.269.274.477.485.692.9101.4109.5119.5129.7145.5166.3173.9
00000000003.31.60.4-2-5.6-5.7-41-26.7-19.8-7.8-8.8-5.3-11.7-16.8-21.5-17.3-17.8-21.7-25.2-20.5-15.2-14.93
00-1,500200200300500-3,000100600000000000-13,200-13,000-18,900-8,50000-7,300-6,600-4,300-3,600-6,800-23,800-20,900
44.948.451.155.656.956.858.658.165.571.279.384.286.49296.8104.772.7100.595.796.799102109.1120.9113.7108.5117.1126131.1142151.8161.87
6.46.54.94.45.45.15.68.69.19.19.29.210.111.614.212.914.52116.922.52328.419.620.522.518.920.620.22615.819.40.61
0000000000000000000000000003.232.82.41.56
00000.90.911111.11.11.11.21.21.21.10000000000.60.90.911.21.33
0011.4386.264.61279997.155.671.8110.290.974.934.14247.639.136.939.343.739.835.83648.877.748.749.257.764.645.42
00000000000000000000000000000000
6.46.516.37.414.312.271.2136.6109.1107.265.982.1121.4103.790.348.257.668.65659.462.372.159.456.358.567.798.97379.177.387.648.92
00000000232323.723.735.935.935.935.935.943.146.746.746.746.746.741.7131.730.930.930.930.930.930.930.93
00000000000000000000000000000000
0000000000000000000000000000010.47.233.17
00000000232323.723.735.935.935.935.935.943.146.746.746.746.746.741.7131.730.930.930.930.941.338.164.09
6.46.516.37.414.312.271.2136.6132.1130.289.6105.8157.3139.6126.284.193.5111.7102.7106.1109118.8106.198190.298.6129.8103.9110118.6125.7113.01
51.354.967.46371.269129.8194.7197.6201.4168.9190243.7231.6223188.8166.2212.2198.4202.8208220.8215.2218.9303.9207.1246.9229.9241.1260.6277.5274.88
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of First United provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand First United's financial health and stability.

Assets

First United's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that First United must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of First United after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into First United's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
5666566788991071212128-11-1034651375101313192515
000011111111223333332221111233334
00000000000000000-3-9-1-1010329110000
120-3-120-1-3593-3-231-1-1616384288-141-25100-15
00100000000-21000-1141111500-20-1-1-1-2-2-200
000000000000000000000091798781196423
222323234403566757100010000011576
710945107751419121084613141731416315183221112181616202622
0-1-2-2-1-1-1-1-2-2-2-3-4-9-5-5-4-2-3-30-100-1-3-6-9-4-1-1-30
-6-24-17-37-25-38-44-75-142-5125-150-22-122-112-41-132-2087081475-63-21811-7-113-32-191-28-172-81
-5-23-15-35-24-37-43-74-140-4927-146-18-113-106-35-128-20674111576-62-12015-1-104-28-189-27-168-81
000000000000000000000000000000000
0000000000-194922-3515-3294-9-35-38-214-3-39-1528-290-61660
000000-3-2-100000000-130000000-10-1000-2-70-1
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-2112342433456914946-33338100105151559681-2-273-5003171525287428047101-19
0-2-2-2-3-4-3-3-3-3-4-4-4-4-4-4-4-4-6-1000-9-2-2-1-1-3-3-3-4-5
-1-4-80101-4755-14230-10-6170109-23418-40-7161120-602699-33-41-24
6.99.26.92.64.59.35.86.13.312.217.59.36.2-1.141.27.810.414.80.513862.813.917.83.220.87.86.38.812.414.618.922.922.12
000000000000000000000000000000000

First United stock margins

The First United margin analysis displays the gross margin, EBIT margin, as well as the profit margin of First United. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for First United.

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  • Max

Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the First United's sales revenue. A higher gross margin percentage indicates that the First United retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the First United's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the First United's total revenue generated. When comparing the revenue margin year over year, investors can gauge the First United's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the First United. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the First United's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

First United Margin History

DateFirst United Profit margin
2026e25.95 %
2025e25.08 %
2024e24.89 %
202315.75 %
202231.13 %
202125.02 %
202018.03 %
201917.58 %
201815.82 %
20176.61 %
20168.69 %
201514.48 %
20144.97 %
20137.39 %
20124.34 %
20112.63 %
2010-16.39 %
2009-17.13 %
20088.14 %
200711.77 %
200613.34 %
200514.49 %
200410.36 %

First United Stock Sales Revenue, EBIT, Earnings per Share

The First United earnings per share therefore indicates how much revenue First United has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue First United earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates First United's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of First United’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating First United's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

First United Revenue, EBIT and net profit per share

DateFirst United Sales per ShareFirst United Earnings per Share
2026e14.74 undefined3.83 undefined
2025e13.42 undefined3.37 undefined
2024e12.54 undefined3.12 undefined
202314.27 undefined2.25 undefined
202212.08 undefined3.76 undefined
202111.76 undefined2.94 undefined
202010.95 undefined1.97 undefined
201910.52 undefined1.85 undefined
20189.53 undefined1.51 undefined
20178.84 undefined0.58 undefined
20169.67 undefined0.84 undefined
201511.37 undefined1.65 undefined
20149.7 undefined0.48 undefined
201310.17 undefined0.75 undefined
201211.06 undefined0.48 undefined
201112.42 undefined0.33 undefined
201011.64 undefined-1.91 undefined
200912.17 undefined-2.08 undefined
200817.84 undefined1.45 undefined
200717.67 undefined2.08 undefined
200615.38 undefined2.05 undefined
200513.72 undefined1.99 undefined
200412.09 undefined1.25 undefined

First United business model

First United Corp is a US financial services and bank holding company based in Oakland, Maryland. The company has been listed on the NASDAQ stock exchange since 1983 and is a key player in the regional financial sector of Maryland, West Virginia, and Pennsylvania. First United Corp's history began in 1900 when the First National Bank of Oakland first opened its doors in the small town in Maryland. Over the following decades, the bank expanded and opened additional branches in the area before being converted into a holding company in 1960. Today, First United Corp has a total of 24 branches in Maryland, West Virginia, and Pennsylvania and employs over 500 employees. First United Corp's business model can best be described as customer-oriented and diversified. The company offers a variety of financial services, including deposit and credit products, wealth management, insurance, investment, and advisory services. It is worth noting that the company provides personalized customer service in a very personal manner. This is reflected in the company's motto "Our Family Serving Your Family," which refers to the company's family culture. First United Corp has several different divisions to effectively offer its wide range of financial services. The main divisions are First United Bank, First United Wealth Management, First United Insurance, and First United Financial Services. First United Bank is the flagship of the company and offers all common banking services, including various types of deposit and credit products. First United Wealth Management offers wealth management services for affluent individuals and institutions and is known for its customized portfolios and financial planning strategies. First United Insurance is an independent insurance agency and offers liability, life, and property insurance for individuals and businesses. Finally, First United Financial Services provides strategic and financial advice for companies and investors. First United's product range is as diverse as its divisions. The products offered include checking accounts, savings accounts, mortgages, car loans, business loans, bonds, stocks, pension funds, life insurance, and health insurance. One of their newer products is "person-to-person" payments, which allow customers to make transfers to individual accounts. First United Corp also offers mobile banking and has an app available to bank customers. In summary, First United Corp is a financial services and bank holding company with a long history and a wide range of offerings. The company's recipe for success is its customer-oriented and personalized approach, which sets it apart from its competitors. Its flexible and diversified business structure allows First United Corp to quickly and effectively respond to regional market conditions and customer needs. With a comprehensive range of financial services and a high level of customer satisfaction, First United Corp will continue to play an important role in the financial world. First United is one of the most popular companies on Eulerpool.com.

First United SWOT Analysis

Strengths

First United Corp has a strong financial position with consistent profitability and a healthy balance sheet. This provides them with the ability to invest in growth opportunities and withstand economic downturns.

The company has a diverse range of products and services, including commercial and retail banking, investment services, and insurance, which supports multiple revenue streams and reduces reliance on any single segment.

First United Corp has a loyal customer base due to its emphasis on providing excellent customer service. This helps in retaining existing customers and attracting new ones.

Weaknesses

One of the weaknesses of First United Corp is its limited geographical presence. The company primarily operates in a specific region, which exposes it to localized economic risks and limits its opportunities for expansion.

First United Corp may face challenges in adapting to rapidly evolving technological advancements. Inadequate investment in technology infrastructure may hinder their ability to compete with more technologically advanced competitors.

The company's reliance on traditional banking channels and limited digital offerings may lead to a potential loss of market share to fintech companies and online banking platforms.

Opportunities

First United Corp can explore opportunities for geographic expansion through strategic acquisitions or partnerships. This would allow the company to diversify its operations and reduce concentration risks.

The growing demand for digital banking and online financial services presents an opportunity for First United Corp to enhance its technological capabilities and offer innovative digital solutions to customers.

Expanding the range of products and services offered, such as introducing new wealth management options or specialized lending services, can help First United Corp capture additional market share and increase revenue streams.

Threats

First United Corp faces increasing competition from larger national and international banks, which have greater resources and market presence. This competitive landscape may put pressure on the company's market share and profitability.

Regulatory changes and compliance requirements pose a threat to First United Corp's operations, as non-compliance can result in fines and penalties. Adapting to evolving regulatory frameworks requires continuous monitoring and investment.

Economic downturns and financial crises can negatively impact the banking industry as a whole, potentially affecting First United Corp's profitability and asset quality.

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First United Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

First United historical P/E ratio, EBIT multiple, and P/S ratio

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First United shares outstanding

The number of shares was First United in 2023 — This indicates how many shares 6.701 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue First United earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates First United's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of First United’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating First United's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

First United stock splits

In First United's history, there have been no stock splits.

First United dividend history and estimates

In 2023, First United paid a dividend amounting to 0.78 USD. Dividend means that First United distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for First United provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify First United’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating First United's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

First United Dividend History

DateFirst United Dividend
2026e0.88 undefined
2025e0.88 undefined
2024e0.88 undefined
20230.78 undefined
20220.6 undefined
20210.58 undefined
20200.52 undefined
20190.4 undefined
20180.27 undefined
20100.13 undefined
20090.8 undefined
20080.8 undefined
20070.78 undefined
20060.76 undefined
20050.74 undefined
20040.72 undefined

First United dividend payout ratio

In 2023, First United had a payout ratio of 20.69%. The payout ratio indicates the percentage of the company's profits that First United distributes as dividends.

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Payout ratio
Details

Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for First United represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for First United could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate First United's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

First United Payout Ratio History

DateFirst United Payout ratio
2026e19.32 %
2025e18.48 %
2024e18.79 %
202320.69 %
202215.96 %
202119.73 %
202026.4 %
201921.62 %
201817.88 %
201720.69 %
201620.69 %
201520.69 %
201420.69 %
201320.69 %
201220.69 %
201120.69 %
2010-6.81 %
2009-38.46 %
200855.17 %
200737.5 %
200637.07 %
200537.19 %
200457.6 %
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Unfortunately, there are currently no price targets and forecasts available for First United.

First United latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20240.81 0.89  (10.45 %)2024 Q3
6/30/20240.67 0.75  (11.41 %)2024 Q2
3/31/20240.57 0.56  (-1.96 %)2024 Q1
12/31/20230.62 0.82  (31.79 %)2023 Q4
9/30/20230.64 0.67  (4.26 %)2023 Q3
6/30/20230.73 0.66  (-10.13 %)2023 Q2
9/30/20220.98 1.04  (6.21 %)2022 Q3
6/30/20220.9 0.82  (-8.65 %)2022 Q2
3/31/20220.81 0.86  (6.73 %)2022 Q1
12/31/20210.82 1.1  (34.8 %)2021 Q4
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Eulerpool ESG Scorecard© for the First United stock

Eulerpool World ESG Rating (EESG©)

36/ 100

🌱 Environment

2

👫 Social

39

🏛️ Governance

68

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

First United shareholders

%
Name
Stocks
Change
Date
5.75471 % Dimensional Fund Advisors, L.P.372,33024,4576/30/2024
5.24309 % Fourthstone LLC339,228119,1766/30/2024
4.76989 % The Vanguard Group, Inc.308,61206/30/2024
3.24034 % Moran (Beth E.)209,6501,2275/22/2024
2.75660 % Tontine Asset Management, LLC178,35206/30/2024
2.40317 % Basswood Capital Management, LLC155,485-6136/30/2024
1.92513 % Huber Capital Management LLC124,5565,0006/30/2024
1.71311 % Valu-Trac Investment Management Ltd.110,8383,0003/31/2024
1.71311 % De Lisle Partners LLP110,83806/30/2024
1.34900 % Arrowstreet Capital, Limited Partnership87,28026,0036/30/2024
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First United Executives and Management Board

Ms. Carissa Rodeheaver(57)
First United Chairman of the Board, President, Chief Executive Officer (since 2006)
Compensation 732,407
Mr. Robert Fisher(54)
First United Senior Vice President and Chief Revenue Officer
Compensation 450,043
Mr. Jason Rush(52)
First United Chief Operating Officer, Senior Vice President
Compensation 428,265
Mr. Keith Sanders(53)
First United Senior Vice President, Senior Trust Officer
Compensation 217,827
Mr. Brian Boal(50)
First United Independent Director
Compensation 61,420
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Most common questions regarding First United

What values and corporate philosophy does First United represent?

First United Corp represents a strong commitment to integrity, community engagement, and customer satisfaction. As a financial institution, they prioritize transparent and ethical practices, ensuring the trust and confidence of their clients. First United Corp also values building relationships with local communities, supporting economic growth, and giving back through philanthropic initiatives. With an emphasis on personalized service, they strive to deliver tailored financial solutions and exceed customer expectations. By upholding these values and corporate philosophy, First United Corp establishes itself as a trusted and reliable partner in the financial industry.

In which countries and regions is First United primarily present?

First United Corp is primarily present in the United States, specifically in the states of Maryland, West Virginia, and Pennsylvania.

What significant milestones has the company First United achieved?

First United Corp has achieved several significant milestones throughout its history. In its journey, the company has successfully expanded its presence in the banking sector, delivering exceptional financial services to its customers. It has consistently demonstrated growth and profitability, further solidifying its position as a leading financial institution. First United Corp has also established a strong reputation for its commitment to customer satisfaction, continuously enhancing its product offerings and improving the overall banking experience. With its dedication to excellence, innovation, and community support, First United Corp remains a trusted name in the financial industry.

What is the history and background of the company First United?

First United Corp is a renowned financial holding company with a rich history and background. Founded in 1982 and headquartered in Oakland, Maryland, First United has been serving customers for nearly four decades. Over the years, it has evolved into a trusted provider of banking, insurance, and investment solutions. With a strong commitment to community banking, First United Corp focuses on delivering personalized financial services to individuals, businesses, and organizations. Its dedication to innovative technologies and customer-centric approach sets it apart in the industry. With comprehensive offerings and a history rooted in excellence, First United Corp remains a reliable choice for all financial needs.

Who are the main competitors of First United in the market?

The main competitors of First United Corp in the market include larger regional banks such as BB&T Corporation, M&T Bank Corporation, and PNC Financial Services Group, Inc. These established financial institutions also offer a range of banking and financial services similar to First United Corp. Additionally, local community banks and credit unions operating in the same region where First United Corp has a presence might also be considered competitors. It is essential for investors to consider the competitive landscape while evaluating the performance and growth potential of First United Corp in the market.

In which industries is First United primarily active?

First United Corp is primarily active in the banking and financial services industry.

What is the business model of First United?

The business model of First United Corp revolves around providing financial services to individuals, businesses, and organizations. As a bank holding company, First United Corp operates through its subsidiary, First United Bank & Trust, which offers a wide range of banking products and services including deposit accounts, loans, mortgages, trust and investment services, wealth management, and insurance. By focusing on personalized financial solutions and prioritizing customer service, First United Corp aims to foster long-term relationships and support the financial goals of its clients. With its comprehensive suite of offerings, First United Corp strives to be a trusted partner for all their banking and financial needs.

What is the P/E ratio of First United 2024?

The First United P/E ratio is 11.49.

What is the P/S ratio of First United 2024?

The First United P/S ratio is 2.86.

What is the Quality Investing of First United?

The Quality Investing for First United is 4/10.

What is the revenue of First United 2024?

The expected First United revenue is 81.13 M USD.

How high is the profit of First United 2024?

The expected First United profit is 20.19 M USD.

What is the business model of First United

First United Corp is a financial services company based in Oakland, Maryland. The company operates banks, cash management clients, and specializes in construction and investment customers. The company focuses on building profitable businesses through a wide range of products and services. The company is divided into three main business areas: lending, construction, and treasury management. These three areas enable First United Corp to offer its customers a wide range of products and services. The lending business is the largest area of First United Corp. It includes retail loans for individuals, commercial loans for businesses, and real estate loans for real estate investors. The company also offers special loans for farmers, medical professionals, and nonprofit organizations. In addition, the company offers unsecured loans for consumers. The construction area includes all products and services related to building investments for customers. First United Corp offers investment opportunities for private and business customers. These include bonds, stocks, mutual funds, and annuity contracts. The company also has asset management and offers advisory services for affluent customers. The treasury management business offers cash management services for corporate clients. This includes payment management, portfolio management, foreign exchange and derivatives management, and electronic banking setup. First United Corp specializes in providing specialized cash management solutions for nonprofit organizations and companies. The company also offers various insurance products sold by its subsidiary, First United Insurance Group. The offer includes private health insurance, disability insurance, liability insurance, and life insurance. First United Corp also has a subsidiary, First United Bank & Trust, which operates in Maryland, West Virginia, and Pennsylvania. The bank offers deposit accounts, loan accounts, and credit products. The bank also has a mobile banking app and offers online banking services. Overall, First United Corp's business model is aimed at the needs of private and business customers. The company offers a wide range of products and services to provide the best possible outcome for its customers. From lending to specialized investment products and insurance, the company strives to meet the general customer needs.

What is the First United dividend?

First United pays a dividend of 0.6 USD distributed over payouts per year.

How often does First United pay dividends?

The dividend cannot currently be calculated for First United or the company does not pay out a dividend.

What is the First United ISIN?

The ISIN of First United is US33741H1077.

What is the First United WKN?

The WKN of First United is 923764.

What is the First United ticker?

The ticker of First United is FUNC.

How much dividend does First United pay?

Over the past 12 months, First United paid a dividend of 0.78 USD . This corresponds to a dividend yield of about 2.25 %. For the coming 12 months, First United is expected to pay a dividend of 0.88 USD.

What is the dividend yield of First United?

The current dividend yield of First United is 2.25 %.

When does First United pay dividends?

First United pays a quarterly dividend. This is distributed in the months of February, May, August, November.

How secure is the dividend of First United?

First United paid dividends every year for the past 9 years.

What is the dividend of First United?

For the upcoming 12 months, dividends amounting to 0.88 USD are expected. This corresponds to a dividend yield of 2.56 %.

In which sector is First United located?

First United is assigned to the 'Finance' sector.

Wann musste ich die Aktien von First United kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of First United from 11/1/2024 amounting to 0.22 USD, you needed to have the stock in your portfolio before the ex-date on 10/18/2024.

When did First United pay the last dividend?

The last dividend was paid out on 11/1/2024.

What was the dividend of First United in the year 2023?

In the year 2023, First United distributed 0.6 USD as dividends.

In which currency does First United pay out the dividend?

The dividends of First United are distributed in USD.

All fundamentals about First United

Our stock analysis for First United Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of First United Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.