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

Simplified Detailed

	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
Returns
Return on equity	12.8%+0.7pp	12.1%+2.5pp	9.6%-7.5pp	17.1%+2.6pp
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×
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%
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×
Dividend yield	2.2%-0.7pp	2.5%-0.9pp	3.3%+0.3pp	3%-0.1pp

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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.