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First United (First United) PS Ratio

: 2.07 (As of Today)
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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, First United's share price is $22.01. First United's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $10.64. Hence, First United's PS Ratio for today is 2.07.

Warning Sign:

First United Corp stock PS Ratio (=2.1) is close to 3-year high of 2.19

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

FUNC' s PS Ratio Range Over the Past 10 Years
Min: 0.87   Med: 1.67   Max: 3.03
Current: 2.07

During the past 13 years, First United's highest PS Ratio was 3.03. The lowest was 0.87. And the median was 1.67.

FUNC's PS Ratio is ranked better than
58.86% of 1456 companies
in the Banks industry
Industry Median: 2.375 vs FUNC: 2.07

First United's Revenue per Sharefor the three months ended in Dec. 2023 was $2.23. Its Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $10.64.

Warning Sign:

First United Corp revenue per share is in decline over the past 12 months.

During the past 12 months, the average Revenue per Share Growth Rate of First United was -6.30% per year. During the past 3 years, the average Revenue per Share Growth Rate was 3.50% per year. During the past 5 years, the average Revenue per Share Growth Rate was 6.00% per year. During the past 10 years, the average Revenue per Share Growth Rate was 3.80% per year.

During the past 13 years, First United's highest 3-Year average Revenue per Share Growth Rate was 9.80% per year. The lowest was -8.20% per year. And the median was 5.80% per year.

Back to Basics: PS Ratio


First United PS Ratio Historical Data

The historical data trend for First United's 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 Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PS Ratio
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.71 1.62 1.73 1.73 2.21

First United Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PS Ratio 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 Premium Member Only Premium Member Only Premium Member Only 1.73 1.47 1.24 1.43 2.21

Competitive Comparison

For the Banks - Regional subindustry, First United's PS Ratio, along with its competitors' market caps and 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 PS Ratio Distribution

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

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



First United PS Ratio Calculation

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.

First United's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=22.01/10.64
=2.07

First United's Share Price of today is $22.01.
First United's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 adds up the quarterly data reported by the company within the most recent 12 months, which was $10.64.

* 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.

It can also be calculated from the numbers for the whole company:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.


First United  (NAS:FUNC) PS Ratio Explanation

The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.

When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.


First United PS Ratio Related Terms

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


First United (First United) Business Description

Traded in Other Exchanges
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. In addition, it provides safe deposit and night depository facilities, insurance products and trust services. The bank also provides residential real estate construction loans to builders and individuals for single-family dwellings.
Executives
Marisa A. Shockley director 19 S. SECOND STREET, OAKLAND MD 21550
Carissa Lynn Rodeheaver officer: Chief Financial Officer 19 SOUTH SECOND STREET, OAKLAND MD 21550
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
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
Irvin Robert Rudy director 121 NORTH SECOND ST, 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