First United FUNC Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 27.6%+1.9pp | 25.8%+4.7pp | 21.1%-12.0pp | 33.1%+6.1pp | |
| Free cash flow margin | 17.4%-8.1pp | 25.5%-5.5pp | 31%+0.7pp | 30.3%+2.1pp | |
| Returns | |||||
| Return on equity | 12.8%+0.7pp | 12.1%+2.5pp | 9.6%-7.5pp | 17.1%+2.6pp | |
| Return on assets | 1.2%+0.1pp | 1.1%+0.3pp | 0.8%-0.6pp | 1.4%+0.3pp | |
| Efficiency | |||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | |||||
| Debt-to-equity | 0.6×-0.5× | 1×+0.1× | 1×+0.3× | 0.6×0.0× | |
| Debt-to-assets | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | |
| Per Share | |||||
| Book value per share | $31.31+14.2% | $27.42+13.5% | $24.16+6.0% | $22.79+7.9% | |
| Valuation | |||||
| Market capitalization | $284.36M+49.5% | $218.06M+38.7% | $157.19M+20.2% | $130.8M+5.4% | |
| Enterprise value | $246.13M-13.0% | $327.45M+23.4% | $265.34M+71.9% | $154.35M+54.6% | |
| Price / earnings | 11.2×+3.2× | 10.6×+0.2× | 10.4×+5.2× | 5.2×-1.1× | |
| Price / sales | 3.1×+0.8× | 2.7×+0.5× | 2.2×+0.5× | 1.7×0.0× | |
| Price / book | 1.4×+0.4× | 1.2×+0.2× | 1×+0.1× | 0.9×0.0× | |
| EV / sales | 2.7×-0.7× | 4.1×+0.4× | 3.7×+1.7× | 2×+0.7× | |
| Free cash flow yield | 7.7%-1.1pp | 9.3%-4.7pp | 14.1%-3.5pp | 17.6%+0.9pp | |
| Earnings yield | 8.8%-3.5pp | 9.4%-0.1pp | 9.6%-9.6pp | 19.2%+3.2pp | |
| Dividend yield | 2.2%-0.7pp | 2.5%-0.9pp | 3.3%+0.3pp | 3%-0.1pp | |
| PEG ratio | 1×+0.8× | 0.3×— | —— | 0.2×0.0× |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- 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.
