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FIRST UNITED CORP (FUNC) Stock Fundamental Analysis

USA - NASDAQ:FUNC - US33741H1077 - Common Stock

34.59 USD
+0.57 (+1.68%)
Last: 10/20/2025, 8:00:01 PM
35.64 USD
+1.05 (+3.04%)
After Hours: 10/20/2025, 8:00:01 PM
Fundamental Rating

5

Taking everything into account, FUNC scores 5 out of 10 in our fundamental rating. FUNC was compared to 391 industry peers in the Banks industry. FUNC has a medium profitability rating, but doesn't score so well on its financial health evaluation. FUNC is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

FUNC had positive earnings in the past year.
In the past year FUNC had a positive cash flow from operations.
In the past 5 years FUNC has always been profitable.
Each year in the past 5 years FUNC had a positive operating cash flow.
FUNC Yearly Net Income VS EBIT VS OCF VS FCFFUNC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

FUNC has a better Return On Assets (1.18%) than 76.98% of its industry peers.
FUNC's Return On Equity of 12.42% is amongst the best of the industry. FUNC outperforms 84.40% of its industry peers.
Industry RankSector Rank
ROA 1.18%
ROE 12.42%
ROIC N/A
ROA(3y)1.06%
ROA(5y)1.03%
ROE(3y)12.43%
ROE(5y)12.36%
ROIC(3y)N/A
ROIC(5y)N/A
FUNC Yearly ROA, ROE, ROICFUNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With a decent Profit Margin value of 28.35%, FUNC is doing good in the industry, outperforming 75.45% of the companies in the same industry.
FUNC's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for FUNC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.35%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.51%
PM growth 5Y4.4%
GM growth 3YN/A
GM growth 5YN/A
FUNC Yearly Profit, Operating, Gross MarginsFUNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

FUNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
FUNC has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, FUNC has less shares outstanding
FUNC has a worse debt/assets ratio than last year.
FUNC Yearly Shares OutstandingFUNC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
FUNC Yearly Total Debt VS Total AssetsFUNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of FUNC is 4.85, which is a neutral value as it means it would take FUNC, 4.85 years of fcf income to pay off all of its debts.
FUNC has a Debt to FCF ratio of 4.85. This is in the lower half of the industry: FUNC underperforms 67.26% of its industry peers.
FUNC has a Debt/Equity ratio of 0.43. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.43, FUNC is not doing good in the industry: 74.94% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 4.85
Altman-Z N/A
ROIC/WACCN/A
WACC11.61%
FUNC Yearly LT Debt VS Equity VS FCFFUNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FUNC Yearly Current Assets VS Current LiabilitesFUNC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 30.36% over the past year.
Measured over the past years, FUNC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.20% on average per year.
FUNC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.61%.
FUNC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.79% yearly.
EPS 1Y (TTM)30.36%
EPS 3Y2.27%
EPS 5Y11.2%
EPS Q2Q%22.67%
Revenue 1Y (TTM)15.61%
Revenue growth 3Y2.88%
Revenue growth 5Y4.79%
Sales Q2Q%8.54%

3.2 Future

Based on estimates for the next years, FUNC will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.22% on average per year.
Based on estimates for the next years, FUNC will show a quite strong growth in Revenue. The Revenue will grow by 8.14% on average per year.
EPS Next Y18.19%
EPS Next 2Y15.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.12%
Revenue Next 2Y8.14%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FUNC Yearly Revenue VS EstimatesFUNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
FUNC Yearly EPS VS EstimatesFUNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.48 indicates a reasonable valuation of FUNC.
Compared to the rest of the industry, the Price/Earnings ratio of FUNC indicates a rather cheap valuation: FUNC is cheaper than 82.35% of the companies listed in the same industry.
FUNC is valuated cheaply when we compare the Price/Earnings ratio to 27.69, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.27 indicates a reasonable valuation of FUNC.
75.70% of the companies in the same industry are more expensive than FUNC, based on the Price/Forward Earnings ratio.
FUNC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.18.
Industry RankSector Rank
PE 9.48
Fwd PE 8.27
FUNC Price Earnings VS Forward Price EarningsFUNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

FUNC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.3
EV/EBITDA N/A
FUNC Per share dataFUNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

FUNC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as FUNC's earnings are expected to grow with 15.22% in the coming years.
PEG (NY)0.52
PEG (5Y)0.85
EPS Next 2Y15.22%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

FUNC has a Yearly Dividend Yield of 3.05%.
Compared to an average industry Dividend Yield of 3.57, FUNC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, FUNC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.05%

5.2 History

On average, the dividend of FUNC grows each year by 13.42%, which is quite nice.
FUNC has paid a dividend for at least 10 years, which is a reliable track record.
As FUNC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)13.42%
Div Incr Years6
Div Non Decr Years6
FUNC Yearly Dividends per shareFUNC Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

FUNC pays out 23.43% of its income as dividend. This is a sustainable payout ratio.
The dividend of FUNC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP23.43%
EPS Next 2Y15.22%
EPS Next 3YN/A
FUNC Yearly Income VS Free CF VS DividendFUNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
FUNC Dividend Payout.FUNC Dividend Payout, showing the Payout Ratio.FUNC Dividend Payout.PayoutRetained Earnings

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FIRST UNITED CORP

NASDAQ:FUNC (10/20/2025, 8:00:01 PM)

After market: 35.64 +1.05 (+3.04%)

34.59

+0.57 (+1.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-21 2025-07-21/bmo
Earnings (Next)10-27 2025-10-27/amc
Inst Owners48.74%
Inst Owner Change0.01%
Ins Owners7.98%
Ins Owner Change1.49%
Market Cap224.49M
Analysts82.86
Price Target42.84 (23.85%)
Short Float %1.27%
Short Ratio3.38
Dividend
Industry RankSector Rank
Dividend Yield 3.05%
Yearly Dividend0.82
Dividend Growth(5Y)13.42%
DP23.43%
Div Incr Years6
Div Non Decr Years6
Ex-Date10-17 2025-10-17 (0.26)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.22%
Min EPS beat(2)7.38%
Max EPS beat(2)9.07%
EPS beat(4)4
Avg EPS beat(4)8.8%
Min EPS beat(4)7.38%
Max EPS beat(4)10.45%
EPS beat(8)7
Avg EPS beat(8)10.09%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-0.97%
Max Revenue beat(2)0.51%
Revenue beat(4)1
Avg Revenue beat(4)-0.79%
Min Revenue beat(4)-2.03%
Max Revenue beat(4)0.51%
Revenue beat(8)3
Avg Revenue beat(8)1.26%
Revenue beat(12)3
Avg Revenue beat(12)-0.43%
Revenue beat(16)5
Avg Revenue beat(16)0.28%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.49%
EPS NY rev (1m)0%
EPS NY rev (3m)5.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.81%
Valuation
Industry RankSector Rank
PE 9.48
Fwd PE 8.27
P/S 2.68
P/FCF 13.3
P/OCF 11.52
P/B 1.17
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)3.65
EY10.55%
EPS(NY)4.18
Fwd EY12.09%
FCF(TTM)2.6
FCFY7.52%
OCF(TTM)3
OCFY8.68%
SpS12.91
BVpS29.45
TBVpS27.66
PEG (NY)0.52
PEG (5Y)0.85
Profitability
Industry RankSector Rank
ROA 1.18%
ROE 12.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.35%
GM N/A
FCFM 20.15%
ROA(3y)1.06%
ROA(5y)1.03%
ROE(3y)12.43%
ROE(5y)12.36%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.51%
PM growth 5Y4.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 4.85
Debt/EBITDA N/A
Cap/Depr 87.52%
Cap/Sales 3.12%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 71.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.61%
ROIC/WACCN/A
Cap/Depr(3y)56.87%
Cap/Depr(5y)50.48%
Cap/Sales(3y)2.55%
Cap/Sales(5y)2.31%
Profit Quality(3y)112.42%
Profit Quality(5y)107.67%
High Growth Momentum
Growth
EPS 1Y (TTM)30.36%
EPS 3Y2.27%
EPS 5Y11.2%
EPS Q2Q%22.67%
EPS Next Y18.19%
EPS Next 2Y15.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.61%
Revenue growth 3Y2.88%
Revenue growth 5Y4.79%
Sales Q2Q%8.54%
Revenue Next Year10.12%
Revenue Next 2Y8.14%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-24.67%
FCF growth 3Y2.51%
FCF growth 5Y10.42%
OCF growth 1Y-18.79%
OCF growth 3Y3.67%
OCF growth 5Y6.32%