38.18 USD
+0.04 (+0.1%)
38.18 USD
0 (0%)
FUNC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 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 not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year FUNC was profitable.
FUNC had a positive operating cash flow in the past year.
In the past 5 years FUNC has always been profitable.
FUNC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FUNC has a better Return On Assets (1.23%) than 79.07% of its industry peers.
FUNC has a better Return On Equity (12.52%) than 84.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 12.52% | ||
| 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
1.3 Margins
With a decent Profit Margin value of 28.91%, FUNC is doing good in the industry, outperforming 74.42% of the companies in the same industry.
In the last couple of years the Profit Margin of FUNC has grown nicely.
The Operating Margin and Gross Margin are not available for FUNC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.91% | ||
| 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
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.
2.2 Solvency
The Debt to FCF ratio of FUNC is 3.11, which is a good value as it means it would take FUNC, 3.11 years of fcf income to pay off all of its debts.
FUNC's Debt to FCF ratio of 3.11 is on the low side compared to the rest of the industry. FUNC is outperformed by 61.50% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that FUNC is not too dependend on debt financing.
The Debt to Equity ratio of FUNC (0.26) is worse than 64.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 3.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FUNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.16%, which is quite impressive.
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 16.75%.
FUNC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.79% yearly.
EPS 1Y (TTM)26.16%
EPS 3Y2.27%
EPS 5Y11.2%
EPS Q2Q%17.98%
Revenue 1Y (TTM)16.75%
Revenue growth 3Y2.88%
Revenue growth 5Y4.79%
Sales Q2Q%-12.9%
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 14.20% on average per year.
FUNC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.05% yearly.
EPS Next Y18.19%
EPS Next 2Y15.22%
EPS Next 3Y14.2%
EPS Next 5YN/A
Revenue Next Year10.12%
Revenue Next 2Y8.76%
Revenue Next 3Y8.05%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.02, the valuation of FUNC can be described as very reasonable.
FUNC's Price/Earnings ratio is a bit cheaper when compared to the industry. FUNC is cheaper than 75.19% of the companies in the same industry.
When comparing the Price/Earnings ratio of FUNC to the average of the S&P500 Index (26.31), we can say FUNC is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.13, the valuation of FUNC can be described as very reasonable.
67.18% 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 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.02 | ||
| Fwd PE | 9.13 |
4.2 Price Multiples
64.34% of the companies in the same industry are cheaper than FUNC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.08 | ||
| EV/EBITDA | N/A |
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 14.20% in the coming years.
PEG (NY)0.55
PEG (5Y)0.89
EPS Next 2Y15.22%
EPS Next 3Y14.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.90%, FUNC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.33, FUNC has a dividend in line with its industry peers.
FUNC's Dividend Yield is a higher than the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.9% |
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.
FUNC has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)13.42%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
22.87% of the earnings are spent on dividend by FUNC. This is a low number and sustainable payout ratio.
FUNC's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP22.87%
EPS Next 2Y15.22%
EPS Next 3Y14.2%
38.18
+0.04 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.74%
Inst Owner Change0.38%
Ins Owners7.98%
Ins Owner Change-0.2%
Market Cap248.17M
Revenue(TTM)86.22M
Net Income(TTM)24.92M
Analysts82.86
Price Target42.84 (12.21%)
Short Float %0.82%
Short Ratio2.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.9% |
Yearly Dividend0.82
Dividend Growth(5Y)13.42%
DP22.87%
Div Incr Years6
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.52%
Min EPS beat(2)7.38%
Max EPS beat(2)15.66%
EPS beat(4)4
Avg EPS beat(4)10.1%
Min EPS beat(4)7.38%
Max EPS beat(4)15.66%
EPS beat(8)7
Avg EPS beat(8)11.51%
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)-10.62%
Min Revenue beat(2)-21.75%
Max Revenue beat(2)0.51%
Revenue beat(4)1
Avg Revenue beat(4)-5.73%
Min Revenue beat(4)-21.75%
Max Revenue beat(4)0.51%
Revenue beat(8)3
Avg Revenue beat(8)-1.27%
Revenue beat(12)3
Avg Revenue beat(12)-2.13%
Revenue beat(16)4
Avg Revenue beat(16)-1.39%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)1.05%
EPS NQ rev (3m)1.05%
EPS NY rev (1m)0%
EPS NY rev (3m)5.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.02 | ||
| Fwd PE | 9.13 | ||
| P/S | 2.88 | ||
| P/FCF | 15.08 | ||
| P/OCF | 13.26 | ||
| P/B | 1.25 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.81
EY9.98%
EPS(NY)4.18
Fwd EY10.95%
FCF(TTM)2.53
FCFY6.63%
OCF(TTM)2.88
OCFY7.54%
SpS13.26
BVpS30.63
TBVpS28.86
PEG (NY)0.55
PEG (5Y)0.89
Graham Number51.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 12.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.91% | ||
| GM | N/A | ||
| FCFM | 19.08% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 3.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 77.33% | ||
| Cap/Sales | 2.63% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 66.02% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC11.25%
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)26.16%
EPS 3Y2.27%
EPS 5Y11.2%
EPS Q2Q%17.98%
EPS Next Y18.19%
EPS Next 2Y15.22%
EPS Next 3Y14.2%
EPS Next 5YN/A
Revenue 1Y (TTM)16.75%
Revenue growth 3Y2.88%
Revenue growth 5Y4.79%
Sales Q2Q%-12.9%
Revenue Next Year10.12%
Revenue Next 2Y8.76%
Revenue Next 3Y8.05%
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-29.98%
FCF growth 3Y2.51%
FCF growth 5Y10.42%
OCF growth 1Y-23.89%
OCF growth 3Y3.67%
OCF growth 5Y6.32%
FIRST UNITED CORP / FUNC FAQ
Can you provide the ChartMill fundamental rating for FIRST UNITED CORP?
ChartMill assigns a fundamental rating of 4 / 10 to FUNC.
What is the valuation status of FIRST UNITED CORP (FUNC) stock?
ChartMill assigns a valuation rating of 5 / 10 to FIRST UNITED CORP (FUNC). This can be considered as Fairly Valued.
How profitable is FIRST UNITED CORP (FUNC) stock?
FIRST UNITED CORP (FUNC) has a profitability rating of 4 / 10.
What is the financial health of FIRST UNITED CORP (FUNC) stock?
The financial health rating of FIRST UNITED CORP (FUNC) is 2 / 10.
Can you provide the dividend sustainability for FUNC stock?
The dividend rating of FIRST UNITED CORP (FUNC) is 6 / 10 and the dividend payout ratio is 22.87%.