First United (FUNC) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), First United had a P/E ratio of 9.92 (down from 10.60), return on equity of 12.8% (up from 12.1%), debt-to-equity of 0.56 (down from 1.05) and return on assets of 1.2% (up from 1.1%). Its dividend yield was 2.57% with a payout ratio of 24.3%.

First United Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	9.92	10.60	10.44	5.22	6.28	7.83
Forward P/E	9.20	10.37	10.27	4.64	6.54	-
P/S Ratio	2.83	2.84	2.25	1.71	1.71	1.75
P/B Ratio	1.20	1.22	0.97	0.86	0.88	0.83
Price/Tangible Book	1.27	1.30	1.05	0.94	0.96	0.90
Price/FCF	15.79	10.71	7.11	5.70	6.57	7.44
Price/OCF	12.55	9.79	7.00	4.93	6.20	6.70
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	12.80%	12.06%	9.60%	17.06%	14.49%	10.77%
Return on Assets (ROA)	1.21%	1.06%	0.80%	1.40%	1.14%	0.87%
Leverage & Solvency Ratios
Debt/Equity	0.56	1.05	0.97	0.65	0.64	1.17
Debt/FCF	7.45	9.22	7.14	4.26	4.84	10.51
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	10.08%	9.43%	9.58%	19.15%	15.92%	12.78%
FCF Yield	6.33%	9.34%	14.07%	17.56%	15.22%	13.44%
Dividend Yield	2.57%	2.49%	3.30%	3.06%	3.09%	4.01%
Payout Ratio	24.34%	26.12%	34.64%	15.91%	19.68%	26.34%
Buyback Yield	0.55%	2.40%	-0.60%	0.83%	4.22%	1.24%
Total Return	3.12%	4.90%	2.69%	3.89%	7.31%	5.25%

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About First United Financial Ratios

What is First United's P/E ratio?

First United's P/E ratio was 9.92 for fiscal 2025 (period ended Dec 31, 2025). It was 10.60 a year earlier.

What is First United's return on equity?

First United's return on equity (ROE) was 12.8% for fiscal 2025 (period ended Dec 31, 2025). It was 12.1% a year earlier.

What is First United's debt-to-equity ratio?

First United's debt-to-equity ratio was 0.56 for fiscal 2025 (period ended Dec 31, 2025). It was 1.05 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition