Where do First United's ratios come from?

Every ratio is computed from First United's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

First United FUNC Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	27.8%+0.2pp	27.6%+1.9pp	28.9%+7.1pp	28.4%+7.8pp	27.6%+7.4pp
Free cash flow margin	24.2%-4.1pp	17.4%-8.1pp	19.1%-3.7pp	20.1%-14.3pp	28.3%-3.0pp
Returns
Return on equity	13%+0.1pp	12.8%+0.7pp	13.4%+3.5pp	13.4%+4.0pp	13%+4.0pp
Return on assets	1.3%+0.1pp	1.2%+0.1pp	1.3%+0.4pp	1.2%+0.4pp	1.2%+0.4pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.3×-0.5×	0.6×-0.5×	0.6×-0.4×	0.9×+0.1×	0.8×-0.1×
Debt-to-assets	0×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Per Share
Book value per share	$31.61+11.7%	$31.31+14.2%	$30.59+14.0%	$29.38+17.0%	$28.30+13.8%
Valuation
Market capitalization	$284.36M+49.5%	$243.24M+11.6%	$238.81M+23.8%	$189.69M+39.7%	$194.33M+27.7%
Enterprise value	$246.13M-13.0%	$226.4M-30.9%	$260.92M-13.9%	$283.7M+25.8%	$252.48M+16.3%
Price / earnings	11.2×+3.2×	9.9×-0.7×	9.6×-2.4×	8×-1.1×	8.6×-2.0×
Price / sales	3.1×+0.8×	2.7×0.0×	2.8×+0.2×	2.3×+0.4×	2.4×+0.2×
Price / book	1.4×+0.4×	1.2×0.0×	1.2×+0.1×	1×+0.2×	1.1×+0.1×
EV / sales	2.7×-0.7×	2.6×-1.6×	3×-1.1×	3.4×+0.3×	3.1×0.0×
Free cash flow yield	7.7%-1.1pp	6.3%-3.0pp	6.9%-1.8pp	8.9%-9.5pp	11.9%-2.7pp
Earnings yield	8.8%-3.5pp	10.1%+0.6pp	10.4%+2.1pp	12.5%+1.6pp	11.7%+2.2pp
Dividend yield	2.2%-0.7pp	2.5%0.0pp	2.4%-0.4pp	2.9%-1.0pp	2.8%-0.7pp
PEG ratio	1×+0.8×	0.5×+0.2×	0.2×—	0.1×—	0.1×—

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Where do First United's ratios come from?: Every ratio is computed from First United's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.