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STOCKS

First United Corp. (FUNC)

NASDAQ:FUNC

FUNC

First United

RESEARCH TOOLSreports

First United (FUNC) Ratios

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144 Followers

First United Ratios

FUNC's free cash flow for Q3 2025 was $-3.37. For the 2025 fiscal year, FUNC's free cash flow was decreased by $ and operating cash flow was $4.91. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	9.77	0.10	0.10	2.59	26.35
Quick Ratio	9.77	0.10	0.10	3.52	34.27
Cash Ratio	4.57	0.05	0.03	0.82	7.33
Solvency Ratio	0.02	0.01	0.01	0.02	0.01
Operating Cash Flow Ratio	0.93	0.01	0.01	0.29	1.27
Short-Term Operating Cash Flow Coverage	0.93	0.34	0.49	0.00	0.00
Net Current Asset Value	$ -1.63B	$ -1.64B	$ -1.59B	$ -1.46B	$ -1.17B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.10	0.08	0.05	0.02
Debt-to-Equity Ratio	0.59	1.05	0.98	0.64	0.24
Debt-to-Capital Ratio	0.37	0.51	0.49	0.39	0.19
Long-Term Debt-to-Capital Ratio	0.33	0.40	0.41	0.17	0.18
Financial Leverage Ratio	10.17	11.00	11.77	12.18	12.19
Debt Service Coverage Ratio	0.53	0.25	0.29	5.99	4.06
Interest Coverage Ratio	0.89	0.85	0.80	7.17	4.60
Debt to Market Cap	0.47	0.85	0.99	0.24	0.25
Interest Debt Per Share	23.10	33.67	27.25	15.44	5.87
Net Debt to EBITDA	0.70	3.53	4.43	0.64	-2.76
Profitability Margins
Gross Profit Margin	61.65%	68.75%	72.95%	55.29%	55.62%
EBIT Margin	36.98%	24.36%	20.40%	43.84%	35.72%
EBITDA Margin	40.22%	27.75%	25.51%	48.66%	40.37%
Operating Profit Margin	32.61%	24.36%	20.37%	45.35%	35.72%
Pretax Profit Margin	36.98%	24.36%	20.37%	43.84%	35.72%
Net Profit Margin	27.89%	18.40%	15.75%	33.10%	26.84%
Continuous Operations Profit Margin	27.89%	18.40%	15.75%	33.10%	26.84%
Net Income Per EBT	75.42%	75.54%	77.33%	75.49%	75.15%
EBT Per EBIT	113.41%	100.00%	100.00%	96.67%	100.00%
Return on Assets (ROA)	1.23%	1.04%	0.79%	1.36%	1.14%
Return on Equity (ROE)	13.24%	11.47%	9.30%	16.50%	13.93%
Return on Capital Employed (ROCE)	1.45%	8.22%	6.32%	1.95%	1.53%
Return on Invested Capital (ROIC)	8.88%	5.18%	4.26%	4.66%	2.50%
Return on Tangible Assets	1.24%	1.05%	0.80%	1.36%	1.15%
Earnings Yield	9.99%	9.35%	9.58%	19.17%	15.71%
Efficiency Ratios
Receivables Turnover	11.95	14.96	12.77	2.12	0.00
Payables Turnover	0.00	71.44	42.26	224.09	2.07
Inventory Turnover	0.00	0.00	0.00	-0.40	-0.26
Fixed Asset Turnover	2.94	3.57	2.91	2.05	1.99
Asset Turnover	0.04	0.06	0.05	0.04	0.04
Working Capital Turnover Ratio	0.58	-0.08	-0.07	0.28	0.19
Cash Conversion Cycle	30.55	19.29	19.94	-747.75	-1.57K
Days of Sales Outstanding	30.55	24.40	28.58	171.84	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	-917.96	-1.40K
Days of Payables Outstanding	0.00	5.11	8.64	1.63	176.26
Operating Cycle	30.55	24.40	28.58	-746.12	-1.40K
Cash Flow Ratios
Operating Cash Flow Per Share	2.89	3.41	3.36	3.99	2.98
Free Cash Flow Per Share	2.88	3.12	3.31	3.45	2.82
CapEx Per Share	<0.01	0.29	0.05	0.54	0.17
Free Cash Flow to Operating Cash Flow	1.00	0.91	0.98	0.87	0.94
Dividend Paid and CapEx Coverage Ratio	3.26	3.05	4.03	3.51	3.99
Capital Expenditure Coverage Ratio	416.04	11.59	63.65	7.42	17.76
Operating Cash Flow Coverage Ratio	0.16	0.12	0.14	0.27	0.59
Operating Cash Flow to Sales Ratio	0.21	0.20	0.24	0.35	0.27
Free Cash Flow Yield	7.49%	9.25%	14.07%	17.58%	15.01%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.01	10.70	10.44	5.22	6.37
Price-to-Sales (P/S) Ratio	2.79	1.97	1.64	1.73	1.71
Price-to-Book (P/B) Ratio	1.25	1.23	0.97	0.86	0.89
Price-to-Free Cash Flow (P/FCF) Ratio	13.35	10.81	7.11	5.69	6.66
Price-to-Operating Cash Flow Ratio	13.33	9.88	7.00	4.92	6.29
Price-to-Earnings Growth (PEG) Ratio	2.04	0.27	-0.26	0.19	0.13
Price-to-Fair Value	1.25	1.23	0.97	0.86	0.89
Enterprise Value Multiple	7.63	10.62	10.88	4.19	1.47
Enterprise Value	274.29M	329.42M	265.34M	154.22M	43.85M
EV to EBITDA	7.63	10.62	10.88	4.19	1.47
EV to Sales	3.07	2.95	2.78	2.04	0.60
EV to Free Cash Flow	14.69	16.18	12.00	6.72	2.32
EV to Operating Cash Flow	14.65	14.78	11.81	5.81	2.19
Tangible Book Value Per Share	29.53	25.67	22.40	19.09	17.56
Shareholders’ Equity Per Share	30.68	27.47	24.21	22.83	21.15
Tax and Other Ratios
Effective Tax Rate	0.25	0.24	0.23	0.25	0.25
Revenue Per Share	13.77	17.13	14.30	11.38	10.98
Net Income Per Share	3.84	3.15	2.25	3.77	2.95
Tax Burden	0.75	0.76	0.77	0.75	0.75
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.26	0.27	0.31	0.33	0.35
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	0.75	1.08	1.49	1.06	1.01

Currency in USD