FIRST UNITED CORP (FUNC) Stock Fundamental Analysis

NASDAQ:FUNC • US33741H1077

36.41 USD
-0.54 (-1.46%)
Last: Feb 19, 2026, 08:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall FUNC gets a fundamental rating of 3 out of 10. We evaluated FUNC against 381 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 valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year FUNC was profitable.
  • In the past year FUNC had a positive cash flow from operations.
  • Of the past 5 years FUNC 4 years were profitable.
  • Of the past 5 years FUNC 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

  • With a decent Return On Assets value of 1.23%, FUNC is doing good in the industry, outperforming 78.22% of the companies in the same industry.
  • The Return On Equity of FUNC (12.52%) is better than 83.46% of its industry peers.
Industry RankSector 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
FUNC Yearly ROA, ROE, ROICFUNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • FUNC has a Profit Margin of 28.91%. This is in the better half of the industry: FUNC outperforms 72.70% of its industry peers.
  • FUNC's Profit Margin has improved in the last couple of years.
  • FUNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
FUNC Yearly Profit, Operating, Gross MarginsFUNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

  • FUNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for FUNC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FUNC Yearly Shares OutstandingFUNC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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 62.99% 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.
  • The Debt to Equity ratio of FUNC (0.26) is worse than 63.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 3.11
Altman-Z N/A
ROIC/WACCN/A
WACC11.33%
FUNC Yearly LT Debt VS Equity VS FCFFUNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • FUNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.71%, which is quite impressive.
EPS 1Y (TTM)25.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%15.79%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%72.85%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.85% on average over the next years. This is quite good.
  • Based on estimates for the next years, FUNC will show a small growth in Revenue. The Revenue will grow by 7.03% on average per year.
EPS Next Y8.18%
EPS Next 2Y8.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.42%
Revenue Next 2Y7.03%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

FUNC Yearly Revenue VS EstimatesFUNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
FUNC Yearly EPS VS EstimatesFUNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.19, the valuation of FUNC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of FUNC indicates a rather cheap valuation: FUNC is cheaper than 88.71% of the companies listed in the same industry.
  • FUNC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.09.
  • FUNC is valuated reasonably with a Price/Forward Earnings ratio of 8.50.
  • FUNC's Price/Forward Earnings ratio is rather cheap when compared to the industry. FUNC is cheaper than 87.66% of the companies in the same industry.
  • FUNC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.98.
Industry RankSector Rank
PE 9.19
Fwd PE 8.5
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 a bit more expensive when compared to the industry. FUNC is more expensive than 60.10% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.38
EV/EBITDA N/A
FUNC Per share dataFUNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.12
PEG (5Y)N/A
EPS Next 2Y8.85%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • FUNC has a Yearly Dividend Yield of 2.79%.
  • FUNC's Dividend Yield is comparable with the industry average which is at 2.78.
  • FUNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 2.79%

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
FUNC Yearly Dividends per shareFUNC Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

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, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.87%
EPS Next 2Y8.85%
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 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 (2/19/2026, 8:03:35 PM)

36.41

-0.54 (-1.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-20
Inst Owners48.84%
Inst Owner Change-1.53%
Ins Owners7.3%
Ins Owner Change-0.2%
Market Cap236.66M
Revenue(TTM)N/A
Net Income(TTM)24.92M
Analysts82.86
Price Target42.84 (17.66%)
Short Float %0.77%
Short Ratio2.15
Dividend
Industry RankSector Rank
Dividend Yield 2.79%
Yearly Dividend0.82
Dividend Growth(5Y)13.42%
DP22.87%
Div Incr Years6
Div Non Decr Years6
Ex-Date01-16
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)0%
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 RankSector Rank
PE 9.19
Fwd PE 8.5
P/S 2.74
P/FCF 14.38
P/OCF 12.64
P/B 1.19
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)3.96
EY10.88%
EPS(NY)4.28
Fwd EY11.77%
FCF(TTM)2.53
FCFY6.95%
OCF(TTM)2.88
OCFY7.91%
SpS13.26
BVpS30.63
TBVpS28.86
PEG (NY)1.12
PEG (5Y)N/A
Graham Number52.24
Profitability
Industry RankSector 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 RankSector 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
WACC11.33%
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)25.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%15.79%
EPS Next Y8.18%
EPS Next 2Y8.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%72.85%
Revenue Next Year7.42%
Revenue Next 2Y7.03%
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-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 3 / 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 1 / 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 8.18% in the next year.