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First United Corp. (FUNC)
NASDAQ:FUNC
US Market
FUNC
First United
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First United (FUNC) Ratios

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First United Ratios

FUNC's free cash flow for Q4 2025 was $0.70. For the 2025 fiscal year, FUNC's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.23 0.09 0.10 0.10 0.13
Quick Ratio
 0.23 0.09 0.10 0.10 0.13
Cash Ratio
 0.05 0.07 0.05 0.03 0.05
Solvency Ratio
 0.01 0.01 0.01 0.01 0.02
Operating Cash Flow Ratio
 0.01 0.01 0.01 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.99 1.10 0.34 0.49 0.41
Net Current Asset Value
$ -1.42B$ -1.72B$ -1.64B$ -1.59B$ -1.49B
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.05 0.10 0.08 0.05
Debt-to-Equity Ratio
 0.25 0.56 1.05 0.98 0.64
Debt-to-Capital Ratio
 0.20 0.36 0.51 0.49 0.39
Long-Term Debt-to-Capital Ratio
 0.13 0.32 0.40 0.41 0.17
Financial Leverage Ratio
 9.93 10.25 11.00 11.77 12.18
Debt Service Coverage Ratio
 0.52 0.49 0.25 0.29 0.41
Interest Coverage Ratio
 1.04 0.99 0.85 0.80 6.93
Debt to Market Cap
 0.20 0.47 0.85 0.99 0.73
Interest Debt Per Share
 12.95 22.73 33.67 27.25 15.44
Net Debt to EBITDA
 -1.08 -0.52 3.53 4.43 0.64
Profitability Margins
Gross Profit Margin
70.98%70.23%68.75%72.95%94.83%
EBIT Margin
27.73%27.30%24.36%20.40%41.25%
EBITDA Margin
29.04%27.30%27.75%25.51%45.78%
Operating Profit Margin
27.73%27.30%24.36%20.37%41.25%
Pretax Profit Margin
27.73%27.30%24.36%20.37%41.25%
Net Profit Margin
20.89%20.57%18.40%15.75%31.14%
Continuous Operations Profit Margin
20.89%20.57%18.40%15.75%31.14%
Net Income Per EBT
75.34%75.35%75.54%77.33%75.49%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.24%1.17%1.04%0.79%1.36%
Return on Equity (ROE)
12.70%12.04%11.47%9.30%16.50%
Return on Capital Employed (ROCE)
12.53%9.80%8.22%6.32%15.68%
Return on Invested Capital (ROIC)
8.80%7.01%5.18%4.26%9.07%
Return on Tangible Assets
1.25%1.18%1.05%0.80%1.36%
Earnings Yield
10.25%10.09%9.35%9.58%19.17%
Efficiency Ratios
Receivables Turnover
 3.28 15.08 14.96 12.77 13.29
Payables Turnover
 0.00 37.23 71.44 42.26 27.56
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.05 3.88 3.57 2.91 2.18
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.08 -0.08 -0.08 -0.07 -0.06
Cash Conversion Cycle
 111.16 14.40 19.29 19.94 14.21
Days of Sales Outstanding
 111.16 24.21 24.40 28.58 27.46
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 9.80 5.11 8.64 13.24
Operating Cycle
 111.16 24.21 24.40 28.58 27.46
Cash Flow Ratios
Operating Cash Flow Per Share
 2.99 2.99 3.41 3.36 3.99
Free Cash Flow Per Share
 2.42 2.37 3.12 3.31 3.45
CapEx Per Share
 0.57 0.61 0.29 0.05 0.54
Free Cash Flow to Operating Cash Flow
 0.81 0.80 0.91 0.98 0.87
Dividend Paid and CapEx Coverage Ratio
 2.01 1.95 3.05 4.03 3.51
Capital Expenditure Coverage Ratio
 5.26 4.88 11.59 63.65 7.42
Operating Cash Flow Coverage Ratio
 0.38 0.17 0.12 0.14 0.27
Operating Cash Flow to Sales Ratio
 0.16 0.16 0.20 0.24 0.33
Free Cash Flow Yield
6.32%6.34%9.25%14.07%17.58%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.76 9.91 10.70 10.44 5.22
Price-to-Sales (P/S) Ratio
 2.04 2.04 1.97 1.64 1.62
Price-to-Book (P/B) Ratio
 1.21 1.19 1.23 0.97 0.86
Price-to-Free Cash Flow (P/FCF) Ratio
 15.82 15.77 10.81 7.11 5.69
Price-to-Operating Cash Flow Ratio
 12.78 12.54 9.88 7.00 4.92
Price-to-Earnings Growth (PEG) Ratio
 0.83 0.50 0.27 -0.26 0.19
Price-to-Fair Value
 1.21 1.19 1.23 0.97 0.86
Enterprise Value Multiple
 5.95 6.95 10.62 10.88 4.19
Enterprise Value
 209.99M 226.14M 329.42M 265.34M 154.22M
EV to EBITDA
 5.95 6.95 10.62 10.88 4.19
EV to Sales
 1.73 1.90 2.95 2.78 1.92
EV to Free Cash Flow
 13.38 14.68 16.18 12.00 6.72
EV to Operating Cash Flow
 10.84 11.67 14.78 11.81 5.81
Tangible Book Value Per Share
 29.91 29.61 25.67 22.40 20.96
Shareholders’ Equity Per Share
 31.66 31.38 27.47 24.21 22.83
Tax and Other Ratios
Effective Tax Rate
 0.25 0.25 0.24 0.23 0.25
Revenue Per Share
 18.73 18.36 17.13 14.30 12.10
Net Income Per Share
 3.91 3.78 3.15 2.25 3.77
Tax Burden
 0.75 0.75 0.76 0.77 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
 0.28 0.29 0.28 0.31 0.32
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 0.79 0.79 1.08 1.49 1.06
Currency in USD