37.81 USD
-0.04 (-0.11%)
We assign a fundamental rating of 4 out of 10 to FUNC. FUNC was compared to 383 industry peers in the Banks industry. While FUNC is still in line with the averages on profitability rating, there are concerns on its financial health. FUNC is not priced too expensively while it is growing strongly. Keep and eye on this one!
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.
Each year in the past 5 years FUNC has been profitable.
FUNC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.23%, FUNC is doing good in the industry, outperforming 78.81% of the companies in the same industry.
With an excellent Return On Equity value of 12.52%, FUNC belongs to the best of the industry, outperforming 83.72% of the companies in the same industry.
| 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 73.13% of the companies in the same industry.
In the last couple of years the Profit Margin of FUNC has grown nicely.
FUNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
Compared to 1 year ago, FUNC has less shares outstanding
Compared to 5 years ago, FUNC has less shares outstanding
FUNC has a worse debt/assets ratio than last year.
2.2 Solvency
FUNC has a debt to FCF ratio of 3.11. This is a good value and a sign of high solvency as FUNC would need 3.11 years to pay back of 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 63.31% of its industry peers.
FUNC has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.26, FUNC is not doing good in the industry: 64.08% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 3.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.39%
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.
Looking at the last year, FUNC shows a quite strong growth in Revenue. The Revenue has grown by 16.75% in the last year.
The Revenue has been growing slightly by 4.79% on average over the past years.
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 Y24.02%
EPS Next 2Y16.62%
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.92 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 82.17% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.19, FUNC is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.83, the valuation of FUNC can be described as very reasonable.
79.07% of the companies in the same industry are more expensive than FUNC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FUNC to the average of the S&P500 Index (23.92), we can say FUNC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.92 | ||
| Fwd PE | 8.83 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FUNC indicates a slightly more expensive valuation: FUNC is more expensive than 63.31% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.94 | ||
| 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.
FUNC's earnings are expected to grow with 14.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)0.89
EPS Next 2Y16.62%
EPS Next 3Y14.2%
5. Dividend
5.1 Amount
FUNC has a Yearly Dividend Yield of 2.75%.
Compared to an average industry Dividend Yield of 2.90, 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 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.75% |
5.2 History
The dividend of FUNC is nicely growing with an annual growth rate of 13.42%!
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.
The dividend of FUNC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP22.87%
EPS Next 2Y16.62%
EPS Next 3Y14.2%
NASDAQ:FUNC (1/9/2026, 8:00:01 PM)
37.81
-0.04 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.84%
Inst Owner Change0%
Ins Owners7.3%
Ins Owner Change-0.2%
Market Cap245.76M
Revenue(TTM)86.22M
Net Income(TTM)24.92M
Analysts82.86
Price Target42.84 (13.3%)
Short Float %0.97%
Short Ratio2.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.75% |
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)0%
EPS NQ rev (3m)1.05%
EPS NY rev (1m)0%
EPS NY rev (3m)4.93%
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 | 9.92 | ||
| Fwd PE | 8.83 | ||
| P/S | 2.85 | ||
| P/FCF | 14.94 | ||
| P/OCF | 13.13 | ||
| P/B | 1.23 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.81
EY10.08%
EPS(NY)4.28
Fwd EY11.33%
FCF(TTM)2.53
FCFY6.7%
OCF(TTM)2.88
OCFY7.62%
SpS13.26
BVpS30.63
TBVpS28.86
PEG (NY)0.41
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
WACC11.39%
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 Y24.02%
EPS Next 2Y16.62%
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 for 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.
What is the earnings growth outlook for FIRST UNITED CORP?
The Earnings per Share (EPS) of FIRST UNITED CORP (FUNC) is expected to grow by 24.02% in the next year.