First United vs First National
First United and First National are similar in size: $88.7m and $90.3m of revenue in their latest fiscal years. First National grew faster (31.1% against 11.1%). First United kept more of each dollar of sales as profit: a net margin of 27.6% against 19.6%.
| Latest fiscal year | First UnitedFUNC, 2025 | First NationalFXNC, 2025 |
|---|---|---|
| Revenue | $88.7m | $90.3m |
| Revenue growth | 11.1% | 31.1% |
| Net income | $24.5m | $17.7m |
| Operating margin | — | — |
| Net margin | 27.6% | 19.6% |
| Return on equity | 12.8% | 10.0% |
| Free cash flow | $15.4m | $20.9m |
| Cash | $132m | $161m |
| Total debt | $114m | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.96 | $0.64 |
| Dividend yield | 2.1% | 2.0% |
| Share buybacks | — | — |
| Employees | — | 308 |
| Market value | $301m | $284m |
| Price vs our value range | — | — |
| Moat score | 66 (Moderate) | 53 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 1 buys, 0 sales |