First United - Public Comps and Valuation Multiples

First United Overview

About First United

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.

Founded

1985

HQ

Employees

326

Website

mybank.com

Sectors

Commercial Banking

Financials

LTM Revenue $84.5M

Last FY EBITDA n/a

EV

$375M

Valuation Multiples

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First United Financials

First United has a last 12-month revenue (LTM) of $84.5M and a last 12-month EBITDA of n/a.

In the most recent fiscal year, First United achieved revenue of $79.8M and an EBITDA of n/a.

First United expects next 12-month revenue of XXX and NTM EBITDA of XXX

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First United P&L

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$84.5M	XXX	$79.8M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$33.2M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	39%	XXX	n/a	XXX	XXX	XXX
Net Profit	$22.6M	XXX	$20.6M	XXX	XXX	XXX
Net Margin	27%	XXX	26%	XXX	XXX	XXX
Net Debt	XXX	XXX	$92.6M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

First United Stock Performance

As of August 15, 2025, First United's stock price is $34.

First United has current market cap of $224M, and EV of $375M.

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First United Stock Data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$375M	$224M	XXX	XXX	XXX	XXX	$3.49

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First United Valuation Multiples

As of August 15, 2025, First United has market cap of $224M and EV of $375M.

First United's trades at 4.7x EV/Revenue multiple, and n/a EV/EBITDA.

Equity research analysts estimate First United's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

First United has a P/E ratio of 9.9x.

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First United Financial Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$224M	XXX	$224M	XXX	XXX	XXX
EV (current)	$375M	XXX	$375M	XXX	XXX	XXX
EV/Revenue	4.4x	XXX	4.7x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	11.3x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	9.9x	XXX	10.9x	XXX	XXX	XXX
EV/FCF	n/a	XXX	18.4x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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First United Margins & Growth Rates

First United's last 12 month revenue growth is 8%

First United's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.

First United's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

First United's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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First United Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	8%	XXX	8%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	1%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	n/a	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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