Projected Income Statement: First United Corporation

Forecast Balance Sheet: First United Corporation

Fiscal Period: December 2021 2022 2023 2024 2025 2026 2027
Net Debt - - - - - - -
Change - - - - - - -
Announcement Date 2/4/22 3/24/23 2/5/24 2/5/25 2/4/26 - -
Estimates

Cash Flow Forecast: First United Corporation

Fiscal Period: December 2020 2021 2022 2023 2024 2025
CAPEX 1 1.604 1.127 3.576 0.353 1.923 3.969
Change - -29.74% 217.3% -90.13% 444.76% 106.4%
Free Cash Flow (FCF) 1 - - - - - -
Change - - - - - -
Announcement Date 3/25/21 3/25/22 3/24/23 3/15/24 3/20/25 3/10/26
1USD in Million
Estimates

Forecast Financial Ratios: First United Corporation

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026 2027

Profitability

        
EBITDA Margin (%) - - - - - - - -
EBIT Margin (%) - - - 29.57% 37.8% 39.78% 41.13% 43.61%
EBT Margin (%) - 35.72% - 27.3% 34.12% 36.69% 37.42% 39.99%
Net margin (%) - 26.84% - 21.11% 25.77% 27.64% 28.32% 30.19%
FCF margin (%) - - - - - - - -
FCF / Net Income (%) - - - - - - - -

Profitability

        
ROA - 1.35% - 0.78% 1.06% 1.21% 1.31% 1.4%
ROE - 17.82% - 9.68% 12.16% 12.7% 13% 13.2%

Financial Health

        
Leverage (Debt/EBITDA) - - - - - - - -
Debt / Free cash flow - - - - - - - -

Capital Intensity

        
CAPEX / Current Assets (%) - - - - - - - -
CAPEX / EBITDA (%) - - - - - - - -
CAPEX / FCF (%) - - - - - - - -

Items per share

        
Cash flow per share 1 - - - - - - - -
Change - - - - - - - -
Dividend per Share 1 - 0.6 - 0.8 0.84 0.96 1.04 1.1
Change - - - - 5% 14.29% 8.33% 5.77%
Book Value Per Share 1 - 21.43 - 24.38 27.71 31.33 34.74 38.44
Change - - - - 13.66% 13.06% 10.88% 10.65%
EPS 1 - 2.95 3.76 2.24 3.15 3.77 4.24 4.8
Change - - 27.46% -40.43% 40.62% 19.68% 12.47% 13.21%
Nbr of stocks (in thousands) - 6,618 6,656 6,686 6,469 6,497 6,454 6,454
Announcement Date - 2/4/22 3/24/23 2/5/24 2/5/25 2/4/26 - -
1USD
Estimates
2026 *2027 *
P/E 10.2x 8.99x
PBR 1.24x 1.12x
EV / Sales 2.87x 2.7x
Yield 2.41% 2.55%

EPS & Dividend



Y-o-Y evolution of P/E

 

Year-on-year evolution of the Yield

Trader
-
Investor
-
Global
-
Quality
ESG MSCI
-
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
2
Last Close Price
43.16USD
Average target price
50.00USD
Spread / Average Target
+15.85%

Quarterly revenue - Rate of surprise

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