Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.34 | 8.89 | 10.52 | 8.59 | 8.43 | 8.43 | 8.87 | 8.38 | 6.81 | 10.23 | 22.61 | 6.06 | 5.40 | 6.48 | 4.72 | 3.98 | 5.72 | 6.55 | 4.11 | 7.05 | 6.60 |
| — | +5.5% | +18.6% | +2.5% | +23.8% | -17.6% | -60.8% | +38.4% | +26.0% | +57.7% | +378.6% | +52.2% | -5.6% | -1.0% | +14.8% | -43.5% | -13.4% | -27.1% | -23.6% | +68.5% | -26.8% | |
| P/S Ratio | 3.19 | 2.55 | 2.85 | 2.64 | 2.31 | 2.33 | 2.63 | 2.39 | 1.66 | 2.04 | 2.64 | 1.45 | 1.28 | 1.49 | 1.69 | 1.39 | 1.70 | 2.11 | 1.59 | 1.70 | 1.63 |
| — | +9.6% | +8.4% | +10.5% | +39.2% | +14.2% | -0.1% | +64.6% | +30.2% | +36.7% | +56.0% | +4.2% | -24.8% | -29.1% | +6.2% | -18.4% | +4.4% | +17.2% | +1.3% | +43.0% | +17.8% | |
| P/B Ratio | 1.37 | 1.16 | 1.20 | 1.20 | 1.06 | 1.06 | 1.22 | 1.11 | 0.81 | 0.92 | 0.97 | 0.70 | 0.62 | 0.74 | 0.87 | 0.84 | 0.94 | 1.09 | 0.88 | 0.92 | 0.88 |
| — | +9.2% | -1.8% | +8.1% | +29.8% | +15.2% | +26.2% | +57.8% | +31.7% | +24.7% | +11.5% | -15.7% | -34.3% | -32.3% | -1.2% | -9.2% | +6.5% | +14.2% | +5.9% | +46.5% | +17.8% | |
| P/FCF | 17.91 | 4.57 | 7.22 | 355.99 | 71.44 | 7.64 | 5.94 | 82.24 | 4.74 | 10.82 | 6.86 | 3.15 | 5.49 | 8.31 | 4.67 | 3.57 | 5.95 | 12.67 | 3.35 | 8.26 | — |
| — | -40.2% | +21.6% | +332.9% | +1408.6% | -29.4% | -13.5% | +2508.2% | -13.7% | +30.2% | +47.1% | -11.8% | -7.7% | -34.5% | +39.3% | -56.7% | — | +214.8% | -0.1% | +97.9% | — | |
| EV / EBITDA | 7.28 | 5.20 | 6.84 | 6.52 | 8.43 | 7.44 | 9.26 | 8.89 | 7.58 | 8.68 | 16.68 | 7.14 | 6.23 | 4.54 | 4.05 | 4.79 | 6.38 | 4.84 | 2.27 | 3.52 | 2.71 |
| — | -30.1% | -26.1% | -26.7% | +11.3% | -14.3% | -44.5% | +24.5% | +21.6% | +91.1% | +311.7% | +49.1% | -2.3% | -6.2% | +78.4% | +36.0% | +135.2% | +18.7% | -45.3% | +22.4% | -62.4% | |
| EV / EBIT | 7.96 | 5.65 | 7.43 | 7.07 | 9.29 | 8.22 | 10.07 | 9.85 | 8.56 | 11.19 | 31.87 | 8.36 | 7.31 | 5.35 | 4.40 | 5.27 | 7.24 | 5.45 | 2.49 | 4.07 | 3.12 |
| — | -31.3% | -26.2% | -28.2% | +8.5% | -26.5% | -68.4% | +17.8% | +17.1% | +109.3% | +625.0% | +58.6% | +1.0% | -1.8% | +76.5% | +29.5% | +132.0% | +15.1% | -47.8% | +25.0% | -64.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.2% | 72.5% | 69.9% | 71.6% | 69.9% | 70.0% | 70.3% | 70.7% | 67.5% | 66.3% | 63.1% | 71.6% | 74.8% | 82.7% | 93.3% | 95.5% | 92.8% | 97.9% | 99.8% | 96.4% | 88.5% |
| — | +3.6% | -0.5% | +1.2% | +3.6% | +5.6% | +11.3% | -1.2% | -9.8% | -19.8% | -32.4% | -25.1% | -19.4% | -15.6% | -6.4% | -1.0% | +4.8% | +9.0% | +14.9% | +10.7% | +16.3% | |
| Operating Margin | 27.3% | 28.6% | 25.9% | 29.8% | 26.6% | 26.6% | 28.3% | 27.2% | 23.3% | 18.2% | 9.1% | 22.4% | 23.8% | 25.8% | 40.7% | 46.0% | 37.3% | 41.0% | 49.1% | 30.0% | 30.6% |
| — | +7.6% | -8.6% | +9.3% | +13.8% | +46.4% | +211.4% | +21.4% | -1.9% | -29.6% | -77.7% | -51.3% | -36.2% | -37.2% | -16.9% | +53.7% | +21.6% | +72.1% | +61.9% | -7.9% | +80.5% | |
| Net Margin | 20.6% | 21.5% | 19.6% | 22.4% | 20.0% | 20.0% | 21.5% | 20.4% | 17.6% | 13.8% | 7.7% | 17.3% | 18.0% | 19.7% | 32.2% | 33.2% | 28.3% | 30.8% | 36.9% | 22.7% | 22.7% |
| — | +7.5% | -8.9% | +9.7% | +13.6% | +45.1% | +179.1% | +17.6% | -2.2% | -29.8% | -76.1% | -47.8% | -36.5% | -36.1% | -12.7% | +46.6% | +24.8% | +70.5% | +56.9% | -10.7% | +70.8% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.8% | 3.3% | 2.9% | 3.6% | 3.2% | 3.2% | 3.5% | 3.4% | 3.0% | 2.3% | 1.1% | 2.9% | 2.9% | 2.9% | 4.9% | 5.2% | 4.0% | 4.1% | 5.5% | 3.3% | 3.4% |
| — | +1.9% | -18.1% | +4.3% | +7.1% | +41.6% | +215.6% | +17.3% | +4.0% | -21.3% | -77.4% | -44.4% | -28.7% | -29.9% | -10.3% | +57.7% | +18.6% | +55.4% | +57.0% | -14.8% | +60.3% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.4% | 0.4% | 0.3% | 0.3% | 0.4% | 0.3% | 0.2% |
| — | +9.9% | -11.7% | +13.0% | +15.5% | +51.7% | +246.9% | +30.3% | +13.8% | -16.2% | -76.0% | -40.0% | -26.1% | -29.4% | -13.1% | +54.4% | +24.4% | +67.9% | +64.8% | -15.3% | +49.9% | |
| ROIC | 7.1% | 2.3% | 1.8% | 2.0% | 1.7% | 1.7% | 1.7% | 1.8% | 1.6% | 1.1% | 0.5% | 1.4% | 1.4% | 1.5% | 2.6% | 2.9% | 2.3% | 2.5% | 3.2% | 1.7% | 1.6% |
| — | +38.4% | +5.3% | +13.8% | +9.0% | +45.6% | +252.9% | +30.9% | +15.4% | -24.4% | -81.5% | -53.4% | -40.2% | -38.7% | -17.7% | +76.6% | +46.6% | +106.6% | +106.2% | -4.0% | +67.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.56 | 0.25 | 0.56 | 0.59 | 0.91 | 0.78 | 1.05 | 0.99 | 0.82 | 0.92 | 0.98 | 1.07 | 1.05 | 1.08 | 0.64 | 0.93 | 0.78 | 0.67 | 0.64 | 0.79 | 1.17 |
| — | -67.6% | -46.2% | -40.6% | +10.2% | -15.4% | +7.3% | -7.8% | -22.0% | -15.2% | +51.3% | +15.3% | +35.4% | +60.4% | +0.1% | +17.5% | -33.7% | -43.9% | -44.9% | -34.0% | +4.4% | |
| Debt / EBITDA | 3.22 | 5.38 | 13.84 | 11.70 | 19.74 | 16.76 | 21.20 | 20.21 | 18.31 | 24.24 | 39.81 | 24.39 | 23.87 | 24.53 | 10.23 | 11.63 | 12.77 | 10.79 | 8.29 | 15.84 | 22.43 |
| — | -67.9% | -34.7% | -42.1% | +7.8% | -30.9% | -46.8% | -17.1% | -23.3% | -1.1% | +289.3% | +109.7% | +87.0% | +127.3% | +23.3% | -26.5% | -43.1% | -63.5% | -63.4% | -27.2% | -35.6% | |
| Current Ratio | 0.09 | 0.23 | 0.09 | 0.07 | 0.06 | 0.09 | 0.10 | 0.10 | 0.09 | 0.12 | 0.10 | 0.12 | 0.13 | 0.17 | 0.13 | 0.10 | 0.10 | 0.14 | 0.27 | 0.26 | 0.30 |
| — | +151.7% | -5.2% | -30.5% | -30.7% | -20.5% | -0.8% | -18.1% | -31.4% | -32.5% | -23.3% | +20.9% | +28.8% | +19.5% | -53.3% | -60.5% | -66.3% | -47.7% | +2.9% | +13.1% | +50.5% | |
| Quick Ratio | 0.09 | 0.23 | 0.09 | 0.07 | 0.06 | 0.09 | 0.10 | 0.10 | 0.09 | 0.12 | 0.10 | 0.12 | 0.13 | 0.17 | 0.13 | 0.10 | 0.10 | 0.14 | 0.27 | 0.26 | 0.30 |
| — | +151.7% | -5.2% | -30.5% | -30.7% | -20.5% | -0.8% | -18.1% | -31.4% | -32.5% | -23.3% | +20.9% | +28.8% | +19.5% | -53.3% | -60.5% | -66.3% | -47.7% | +2.9% | +13.1% | +50.5% | |
| Interest Coverage | 0.99 | 1.16 | 0.93 | 1.11 | 0.97 | 0.96 | 1.02 | 0.96 | 0.83 | 0.60 | 0.26 | 0.81 | 1.01 | 1.73 | 4.05 | 9.21 | 9.39 | 9.45 | 10.80 | 4.51 | 3.55 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying FUNC stock.
First United Corporation's current P/E is 11.3x. The average P/E over the last 4 quarters is 9.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First United Corporation's current operating margin is 27.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking First United Corporation's business trajectory between earnings reports.