First United Corporation cash flow to debt ratio of 16.88% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

First United Corporation's free cash flow has decreased 24.33% from $20.36M last year to $15.40M, signaling decreasing performance

First United Corporation's debt to equity ratio is 0.48, which means that the company's assets are healthy financed, signaling financial stability.

First United Corporation's debt has decreased relative to shareholder equity from 1.05 last year to 0.48 today, signaling strengthened financials

First United Corporation has a net cash position, so leverage is healthy.

First United Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

First United Corporation's profit margin has increased (10.75%) in the last year from 18.40% to 20.38%, signaling increasing performance

First United Corporation's short-term liabilities of $1.76B exceed its short-term assets of $159.56M, signaling financial risk

First United Corporation's return on assets of 1.20% is lower than the 5.00% threshold, indicating inefficient asset utilization

First United Corporation's return on equity of 12.22%, is lower than 15.00%, indicating bad performance

First United Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

First United Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

First United Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

First United Corporation has a free cash flow yield of 5.37%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

First United Corporation's yearly earnings has increased 19.18% since last year from $20.57M to $24.52M, signaling increasing performance

First United Corporation's yearly revenue has increased 6.80% since last year from $111.80M to $119.41M, signaling increasing performance

ROIC 7.98% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

First United Corporation's 3-year revenue CAGR of 14.00% is positive, indicating growing revenue over the past 3 years

First United Corporation had revenue growth in 5 out of 5 years, indicating consistent revenue performance

First United Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

First United Corporation is overvalued relative to its fair value price of 31.25 based on Discounted Cash Flow model

First United Corporation has an earnings yield of 8.74%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

First United Corporation is overvalued relative to its fair value price of 37.17 based on EBITDA multiple model

First United Corporation has an EV/EBITDA ratio of 7.03x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

First United Corporation is undervalued relative to its fair value price of 92.51 based on Earnings Fair Value model

First United Corporation has a PEG-ratio under 1 which is considered undervalued

First United Corporation has a price-to-book ratio of 1.35x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First United Corporation has a price-to-sales ratio of 2.33x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue