First Historical Financial Ratios

FUNC Stock

USD 35.64 0.08 0.22%

First United is recently reporting on over 109 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as PTB Ratio of 1.34 or Days Sales Outstanding of 37.24 will help investors to properly organize and evaluate First United financial condition quickly.

Quick Ratio Current Ratio

Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First United. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For information on how to trade First Stock refer to our How to Trade First Stock guide.

About First Financial Ratios Analysis

First UnitedFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate First United investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on First financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across First United history.

First United Financial Ratios Chart

At present, First United's Dividend Yield is projected to slightly decrease based on the last few years of reporting. The current year's PTB Ratio is expected to grow to 1.34, whereas Days Sales Outstanding is forecasted to decline to 37.24.

Price To Sales Ratio Dividend Yield Ptb Ratio Days Sales Outstanding Free Cash Flow Yield Average Payables

Add Fundamental

Price To Sales Ratio

Price to Sales Ratio is figured by comparing First United stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on First United sales, a figure that is much harder to manipulate than other First United multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Dividend Yield

Dividend Yield is First United dividend as a percentage of First United stock price. First United dividend yield is a measure of First United stock productivity, which can be interpreted as interest rate earned on an First United investment. A financial ratio that shows how much a company pays out in dividends each year relative to its stock price, calculated as annual dividends per share divided by price per share.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Free Cash Flow Yield

A financial solvency ratio that compares the free cash flow per share a company is expected to earn against its market value per share, calculated as free cash flow per share divided by market price per share.

Average Payables

The average amount owed to suppliers and creditors over a specific period, reflecting the company's payment cycle and credit terms with suppliers.

Most ratios from First United's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into First United current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First United. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For information on how to trade First Stock refer to our How to Trade First Stock guide.At present, First United's Dividend Yield is projected to slightly decrease based on the last few years of reporting. The current year's PTB Ratio is expected to grow to 1.34, whereas Days Sales Outstanding is forecasted to decline to 37.24.

	2021	2022	2023	2024 (projected)
Dividend Yield	0.0309	0.0305	0.0332	0.0353
Price To Sales Ratio	1.71	1.73	2.25	2.55

Dividend Yield Price To Sales Ratio

First United fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Inventory Turnover	Net Income Per Share	Days Of Inventory On Hand	Payables Turnover	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Days Payables Outstanding	Income Quality	Roe
Price To Sales Ratio		-0.82	0.98	-0.69	0.05	-0.59	-0.53	0.26	0.98	-0.16	-0.55	0.46	-0.55	0.32	0.47	0.14	0.3	-0.77	0.54	0.08	-0.77	0.27	0.5	-0.44	-0.59	0.53
Dividend Yield	-0.82		-0.77	0.47	-0.25	0.5	0.32	-0.44	-0.77	0.3	0.38	-0.22	0.43	-0.52	-0.49	-0.22	-0.47	0.53	-0.33	-0.39	0.99	-0.4	-0.4	0.5	0.5	-0.59
Ptb Ratio	0.98	-0.77		-0.66	-0.01	-0.55	-0.51	0.26	1.0	-0.22	-0.54	0.5	-0.54	0.3	0.47	0.13	0.3	-0.73	0.51	0.09	-0.72	0.27	0.48	-0.41	-0.55	0.54
Days Sales Outstanding	-0.69	0.47	-0.66		-0.31	0.33	0.27	0.2	-0.66	0.01	0.25	-0.21	0.63	-0.29	-0.61	-0.13	0.14	0.62	-0.32	0.28	0.43	0.18	-0.14	0.63	0.35	-0.34
Book Value Per Share	0.05	-0.25	-0.01	-0.31		-0.16	0.07	-0.25	-0.01	0.11	0.07	-0.58	-0.61	0.71	0.67	0.51	-0.23	0.15	0.02	0.26	-0.28	-0.23	-0.08	-0.77	-0.21	0.22
Free Cash Flow Yield	-0.59	0.5	-0.55	0.33	-0.16		0.93	-0.27	-0.55	0.2	0.94	-0.21	0.22	-0.32	-0.25	-0.11	-0.28	0.29	-0.59	-0.31	0.49	-0.32	-0.51	0.24	0.99	-0.39
Operating Cash Flow Per Share	-0.53	0.32	-0.51	0.27	0.07	0.93		-0.26	-0.51	0.14	0.99	-0.27	0.04	-0.03	-0.03	0.12	-0.25	0.28	-0.71	-0.09	0.29	-0.35	-0.62	0.02	0.91	-0.18
Capex To Depreciation	0.26	-0.44	0.26	0.2	-0.25	-0.27	-0.26		0.26	0.18	-0.4	-0.07	0.24	-0.21	-0.22	-0.14	0.99	-0.29	0.23	0.18	-0.4	0.97	0.62	0.19	-0.18	-0.15
Pb Ratio	0.98	-0.77	1.0	-0.66	-0.01	-0.55	-0.51	0.26		-0.22	-0.54	0.5	-0.54	0.3	0.47	0.13	0.3	-0.73	0.51	0.09	-0.72	0.27	0.48	-0.41	-0.55	0.54
Ev To Sales	-0.16	0.3	-0.22	0.01	0.11	0.2	0.14	0.18	-0.22		0.09	-0.51	-0.02	-0.39	-0.19	-0.12	0.17	-0.17	0.05	-0.48	0.35	0.21	0.17	0.11	0.23	-0.61
Free Cash Flow Per Share	-0.55	0.38	-0.54	0.25	0.07	0.94	0.99	-0.4	-0.54	0.09		-0.23	0.04	-0.03	-0.04	0.1	-0.4	0.32	-0.71	-0.13	0.35	-0.48	-0.69	0.02	0.91	-0.18
Roic	0.46	-0.22	0.5	-0.21	-0.58	-0.21	-0.27	-0.07	0.5	-0.51	-0.23		0.07	0.05	-0.04	0.09	-0.04	-0.53	0.1	0.2	-0.22	-0.12	-0.03	0.05	-0.23	0.58
Inventory Turnover	-0.55	0.43	-0.54	0.63	-0.61	0.22	0.04	0.24	-0.54	-0.02	0.04	0.07		-0.67	-0.93	-0.48	0.14	0.33	-0.24	-0.15	0.43	0.18	-0.07	0.75	0.27	-0.51
Net Income Per Share	0.32	-0.52	0.3	-0.29	0.71	-0.32	-0.03	-0.21	0.3	-0.39	-0.03	0.05	-0.67		0.82	0.74	-0.14	-0.06	0.01	0.74	-0.59	-0.23	-0.14	-0.8	-0.4	0.83
Days Of Inventory On Hand	0.47	-0.49	0.47	-0.61	0.67	-0.25	-0.03	-0.22	0.47	-0.19	-0.04	-0.04	-0.93	0.82		0.52	-0.11	-0.21	0.16	0.33	-0.52	-0.19	-0.01	-0.81	-0.32	0.66
Payables Turnover	0.14	-0.22	0.13	-0.13	0.51	-0.11	0.12	-0.14	0.13	-0.12	0.1	0.09	-0.48	0.74	0.52		-0.1	-0.23	-0.09	0.65	-0.27	-0.17	-0.16	-0.74	-0.16	0.58
Capex To Revenue	0.3	-0.47	0.3	0.14	-0.23	-0.28	-0.25	0.99	0.3	0.17	-0.4	-0.04	0.14	-0.14	-0.11	-0.1		-0.32	0.23	0.22	-0.43	0.96	0.6	0.14	-0.2	-0.06
Cash Per Share	-0.77	0.53	-0.73	0.62	0.15	0.29	0.28	-0.29	-0.73	-0.17	0.32	-0.53	0.33	-0.06	-0.21	-0.23	-0.32		-0.38	0.05	0.48	-0.26	-0.38	0.35	0.28	-0.31
Pocfratio	0.54	-0.33	0.51	-0.32	0.02	-0.59	-0.71	0.23	0.51	0.05	-0.71	0.1	-0.24	0.01	0.16	-0.09	0.23	-0.38		-0.02	-0.28	0.43	0.89	-0.17	-0.59	0.07
Interest Coverage	0.08	-0.39	0.09	0.28	0.26	-0.31	-0.09	0.18	0.09	-0.48	-0.13	0.2	-0.15	0.74	0.33	0.65	0.22	0.05	-0.02		-0.47	0.14	0.0	-0.36	-0.35	0.71
Payout Ratio	-0.77	0.99	-0.72	0.43	-0.28	0.49	0.29	-0.4	-0.72	0.35	0.35	-0.22	0.43	-0.59	-0.52	-0.27	-0.43	0.48	-0.28	-0.47		-0.35	-0.33	0.52	0.5	-0.65
Capex To Operating Cash Flow	0.27	-0.4	0.27	0.18	-0.23	-0.32	-0.35	0.97	0.27	0.21	-0.48	-0.12	0.18	-0.23	-0.19	-0.17	0.96	-0.26	0.43	0.14	-0.35		0.77	0.18	-0.23	-0.19
Pfcf Ratio	0.5	-0.4	0.48	-0.14	-0.08	-0.51	-0.62	0.62	0.48	0.17	-0.69	-0.03	-0.07	-0.14	-0.01	-0.16	0.6	-0.38	0.89	0.0	-0.33	0.77		-0.04	-0.46	-0.11
Days Payables Outstanding	-0.44	0.5	-0.41	0.63	-0.77	0.24	0.02	0.19	-0.41	0.11	0.02	0.05	0.75	-0.8	-0.81	-0.74	0.14	0.35	-0.17	-0.36	0.52	0.18	-0.04		0.3	-0.56
Income Quality	-0.59	0.5	-0.55	0.35	-0.21	0.99	0.91	-0.18	-0.55	0.23	0.91	-0.23	0.27	-0.4	-0.32	-0.16	-0.2	0.28	-0.59	-0.35	0.5	-0.23	-0.46	0.3		-0.47
Roe	0.53	-0.59	0.54	-0.34	0.22	-0.39	-0.18	-0.15	0.54	-0.61	-0.18	0.58	-0.51	0.83	0.66	0.58	-0.06	-0.31	0.07	0.71	-0.65	-0.19	-0.11	-0.56	-0.47

Click cells to compare fundamentals

First United Account Relationship Matchups

First United fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Price To Sales Ratio	2.71	1.62	1.71	1.73	2.25	2.55
Dividend Yield	0.0183	0.0336	0.0309	0.0305	0.0332	0.0353
Ptb Ratio	1.36	0.82	0.89	0.86	0.97	1.34
Book Value Per Share	17.74	18.8	21.15	22.83	24.21	25.42
Free Cash Flow Yield	0.0782	0.0726	0.13	0.15	0.18	0.14
Stock Based Compensation To Revenue	0.004242	0.00514	0.006408	0.007029	0.007559	0.007937
Capex To Depreciation	1.17	0.45	0.33	0.98	0.0718	0.0682
Pb Ratio	1.36	0.82	0.89	0.86	0.97	1.34
Ev To Sales	3.57	0.94	0.6	2.04	3.15	3.8
Free Cash Flow Per Share	1.75	2.08	2.82	3.45	3.31	2.01
Roic	0.0579	0.0613	0.11	0.14	0.041	0.039
Inventory Turnover	(0.6)	(0.2)	(0.26)	(0.4)	(0.46)	(0.48)
Net Income Per Share	1.85	1.98	2.95	3.77	2.25	2.37
Days Of Inventory On Hand	(607.03)	(1.8K)	(1.4K)	(917.96)	(826.17)	(867.48)
Payables Turnover	1.73	1.95	2.07	224.09	63.03	66.18
Capex To Revenue	0.0629	0.0239	0.0153	0.0472	0.005063	0.00481
Cash Per Share	25.53	53.73	59.98	30.11	21.97	22.57
Pocfratio	10.44	6.71	6.29	4.92	7.0	7.35
Interest Coverage	1.43	1.9	4.6	7.17	0.6	0.57
Payout Ratio	0.24	0.26	0.2	0.16	0.35	0.42
Capex To Operating Cash Flow	0.24	0.0992	0.0563	0.13	0.0157	0.0149
Pfcf Ratio	13.78	7.45	6.66	5.69	7.11	8.46
Days Payables Outstanding	210.97	186.9	176.26	1.63	5.79	5.5
Income Quality	1.25	1.17	1.01	1.06	1.49	1.14
Roe	0.0911	0.1	0.11	0.14	0.17	0.093
Ev To Operating Cash Flow	13.74	3.9	2.19	5.81	9.79	8.64
Pe Ratio	13.03	7.84	6.37	5.22	10.44	12.24
Return On Tangible Assets	0.009169	0.008033	0.0115	0.0136	0.007952	0.009086
Ev To Free Cash Flow	18.14	4.33	2.32	6.72	9.94	7.0
Earnings Yield	0.0767	0.13	0.16	0.19	0.0958	0.0536
Intangibles To Total Assets	0.007626	0.006346	0.006967	0.006727	0.00635	0.009798
Net Debt To E B I T D A	2.73	(2.13)	(2.76)	0.64	0.74	0.7
Current Ratio	0.34	9.75	15.2	26.35	2.59	0.11
Tangible Book Value Per Share	16.19	17.23	19.35	20.96	22.4	23.52
Graham Number	27.16	28.91	37.44	43.98	35.03	36.78
Shareholders Equity Per Share	17.74	18.8	21.15	22.83	24.21	25.42

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When determining whether First United offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First United's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First United Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First United Stock:

How To Invest In First

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Is First Stock a good investment?

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What is First United's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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For information on how to trade First Stock refer to our How to Trade First Stock guide.

You can also try the Risk-Return Analysis module to view associations between returns expected from investment and the risk you assume.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First United. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First United listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.328

Dividend Share

0.8

Earnings Share

2.46

Revenue Per Share

10.808

Quarterly Revenue Growth

0.075

The market value of First United is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First United's value that differs from its market value or its book value, called intrinsic value, which is First United's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First United's market value can be influenced by many factors that don't directly affect First United's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between First United's value and its price as these two are different measures arrived at by different means. Investors typically determine if First United is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First United's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

First Historical Financial Ratios

About First Financial Ratios Analysis

First United Financial Ratios Chart

Price To Sales Ratio

Dividend Yield

Ptb Ratio

Free Cash Flow Yield

Average Payables

First United fundamentals Correlations

First United Account Relationship Matchups

High Positive Relationship

High Negative Relationship

First United fundamentals Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Pb Ratio	+ 1.0	Ptb Ratio
Payout Ratio	+ 0.99	Dividend Yield
Income Quality	+ 0.99	Free Cash Flow Yield
Free Cash Flow Per Share	+ 0.99	Operating Cash Flow Per Share
Capex To Revenue	+ 0.99	Capex To Depreciation
Ptb Ratio	+ 0.98	Price To Sales Ratio

Days Of Inventory On Hand	- 0.93	Inventory Turnover
Dividend Yield	- 0.82	Price To Sales Ratio
Days Payables Outstanding	- 0.81	Days Of Inventory On Hand
Days Payables Outstanding	- 0.8	Net Income Per Share
Days Payables Outstanding	- 0.77	Book Value Per Share
Pb Ratio	- 0.77	Dividend Yield