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FUNC (First United) Cyclically Adjusted PS Ratio : 2.62 (As of May. 30, 2025)


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What is First United Cyclically Adjusted PS Ratio?

As of today (2025-05-30), First United's current share price is $30.05. First United's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2025 was $11.49. First United's Cyclically Adjusted PS Ratio for today is 2.62.

The historical rank and industry rank for First United's Cyclically Adjusted PS Ratio or its related term are showing as below:

FUNC' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.81   Med: 1.83   Max: 3.58
Current: 2.63

During the past years, First United's highest Cyclically Adjusted PS Ratio was 3.58. The lowest was 0.81. And the median was 1.83.

FUNC's Cyclically Adjusted PS Ratio is ranked better than
52.05% of 1243 companies
in the Banks industry
Industry Median: 2.71 vs FUNC: 2.63

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

First United's adjusted revenue per share data for the three months ended in Mar. 2025 was $3.225. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $11.49 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


First United Cyclically Adjusted PS Ratio Historical Data

The historical data trend for First United's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

First United Cyclically Adjusted PS Ratio Chart

First United Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.70 1.92 1.88 2.18 2.99

First United Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.08 1.84 2.66 2.99 2.61

Competitive Comparison of First United's Cyclically Adjusted PS Ratio

For the Banks - Regional subindustry, First United's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


First United's Cyclically Adjusted PS Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, First United's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where First United's Cyclically Adjusted PS Ratio falls into.


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First United Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

First United's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=30.05/11.49
=2.62

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First United's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, First United's adjusted Revenue per Share data for the three months ended in Mar. 2025 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=3.225/134.9266*134.9266
=3.225

Current CPI (Mar. 2025) = 134.9266.

First United Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201506 1.911 100.684 2.561
201509 2.016 100.392 2.710
201512 2.188 99.792 2.958
201603 2.081 100.470 2.795
201606 2.106 101.688 2.794
201609 2.120 101.861 2.808
201612 2.042 101.863 2.705
201703 1.966 102.862 2.579
201706 1.900 103.349 2.481
201709 1.948 104.136 2.524
201712 1.964 104.011 2.548
201803 2.022 105.290 2.591
201806 2.084 106.317 2.645
201809 2.126 106.507 2.693
201812 2.161 105.998 2.751
201903 2.126 107.251 2.675
201906 2.178 108.070 2.719
201909 2.345 108.329 2.921
201912 2.247 108.420 2.796
202003 2.254 108.902 2.793
202006 2.413 108.767 2.993
202009 2.458 109.815 3.020
202012 2.465 109.897 3.026
202103 2.452 111.754 2.960
202106 2.677 114.631 3.151
202109 2.729 115.734 3.182
202112 2.947 117.630 3.380
202203 2.674 121.301 2.974
202206 2.761 125.017 2.980
202209 2.975 125.227 3.205
202212 2.945 125.222 3.173
202303 2.824 127.348 2.992
202306 2.790 128.729 2.924
202309 2.800 129.860 2.909
202312 2.226 129.419 2.321
202403 2.808 131.776 2.875
202406 3.072 132.554 3.127
202409 3.127 133.029 3.172
202412 3.200 133.157 3.243
202503 3.225 134.927 3.225

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


First United  (NAS:FUNC) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


First United Cyclically Adjusted PS Ratio Related Terms

Thank you for viewing the detailed overview of First United's Cyclically Adjusted PS Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


First United Business Description

Traded in Other Exchanges
N/A
Address
19 South Second Street, Oakland, MD, USA, 21550-0009
First United Corp is active in the financial services domain. The scope of its offering includes checking, savings, money market deposit accounts and certificates of deposit, business loans, personal loans, mortgage loans and lines of credit extended to both individuals and businesses. The bank also provides residential real estate construction loans to builders and individuals for single-family dwellings. The company's reportable operating segments include community banking and wealth management. The company generates the majority of its revenue from the Community Banking segment, which is engaged in delivering financial products and services, including various loan and deposit products, to consumer, business, and not-for-profit customers.
Executives
Brian R. Boal director 19 S. SECOND STREET, OAKLAND MD 21550
Jason Barry Rush officer: VP and Director of Operations 19 SOUTH SECOND STREET, OAKLAND MD 21550
Carissa Lynn Rodeheaver officer: Chief Financial Officer 19 SOUTH SECOND STREET, OAKLAND MD 21550
Irvin Robert Rudy director 121 NORTH SECOND ST, OAKLAND MD 21550
Marisa A. Shockley director 19 S. SECOND STREET, OAKLAND MD 21550
Kevin Hessler director 19 S. SECOND STREET, OAKLAND MD 21550
John Mccullough director 19 SOUTH SECOND STREET, OAKLAND MD 21550
Beth Moran director 19 S. SECOND STREET, OAKLAND MD 21550
John F. Barr director 19 S. SECOND STREET, OAKLAND MD 21550
Christy Dipietro director 19 S. SECOND STREET, OAKLAND MD 21550
Patricia Milon director 19 S SECOND STREET, OAKLAND MD 21550
Gary Ruddell director 19 SOUTH SECOND STREET, OAKLAND MD 21550
Sanu Chadha director 19 S. SECOND STREET, OAKLAND MD 21550
M Kathryn Burkey director P.O. BOX 9, 19 SOUTH SECOND STREET, OAKLAND MD 21550
Elaine L Mcdonald director 672 WHITE OAK DR, SWANTON MD 21561