37.92 USD
-1.55 (-3.93%)
37.92 USD
0 (0%)
FUNC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 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 growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
- FUNC had positive earnings in the past year.
- FUNC had a positive operating cash flow in the past year.
- FUNC had positive earnings in each of the past 5 years.
- FUNC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- FUNC has a Return On Assets of 1.23%. This is in the better half of the industry: FUNC outperforms 79.11% of its industry peers.
- FUNC's Return On Equity of 12.52% is amongst the best of the industry. FUNC outperforms 84.07% 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
- FUNC has a better Profit Margin (28.91%) than 73.63% of its industry peers.
- 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.
- Compared to 1 year ago, FUNC has less shares outstanding
- The number of shares outstanding for FUNC has been reduced compared to 5 years ago.
- The debt/assets ratio for FUNC is higher compared to a year ago.
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.
- Looking at the Debt to FCF ratio, with a value of 3.11, FUNC is doing worse than 63.45% of the companies in the same industry.
- A Debt/Equity ratio of 0.26 indicates that FUNC is not too dependend on debt financing.
- FUNC has a worse Debt to Equity ratio (0.26) than 63.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 3.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.37%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 26.16% over the past year.
- The Earnings Per Share has been growing by 11.20% on average over the past years. This is quite good.
- Looking at the last year, FUNC shows a quite strong growth in Revenue. The Revenue has grown by 16.75% in the last year.
- Measured over the past years, FUNC shows a small growth in Revenue. The Revenue has been growing by 4.79% on average per year.
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
- FUNC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.20% yearly.
- The Revenue is expected to grow by 8.05% on average over the next years. This is quite good.
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
- Based on the Price/Earnings ratio of 9.95, the valuation of FUNC can be described as reasonable.
- 84.07% of the companies in the same industry are more expensive than FUNC, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of FUNC to the average of the S&P500 Index (27.38), we can say FUNC is valued rather cheaply.
- FUNC is valuated reasonably with a Price/Forward Earnings ratio of 8.85.
- 79.90% of the companies in the same industry are more expensive than FUNC, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. FUNC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.95 | ||
| Fwd PE | 8.85 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FUNC is valued a bit more expensive than the industry average as 62.92% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The 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 2.63%. Purely for dividend investing, there may be better candidates out there.
- FUNC's Dividend Yield is comparable with the industry average which is at 2.87.
- FUNC's Dividend Yield is a higher than the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
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
- FUNC pays out 22.87% 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.
DP22.87%
EPS Next 2Y16.62%
EPS Next 3Y14.2%
37.92
-1.55 (-3.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-20 2025-10-20/amc
Earnings (Next)02-03 2026-02-03/amc
Inst Owners48.84%
Inst Owner Change-1.15%
Ins Owners7.3%
Ins Owner Change-0.2%
Market Cap246.48M
Revenue(TTM)86.22M
Net Income(TTM)24.92M
Analysts82.86
Price Target42.84 (12.97%)
Short Float %0.97%
Short Ratio2.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
Yearly Dividend0.82
Dividend Growth(5Y)13.42%
DP22.87%
Div Incr Years6
Div Non Decr Years6
Ex-Date01-16 2026-01-16 (0.26)
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 | 9.95 | ||
| Fwd PE | 8.85 | ||
| P/S | 2.86 | ||
| P/FCF | 14.98 | ||
| P/OCF | 13.17 | ||
| P/B | 1.24 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.81
EY10.05%
EPS(NY)4.28
Fwd EY11.3%
FCF(TTM)2.53
FCFY6.68%
OCF(TTM)2.88
OCFY7.6%
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
WACC11.37%
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.