FIRST UNITED CORP (FUNC) Fundamental Analysis & Valuation

NASDAQ:FUNC • US33741H1077

Current stock price

38.18 USD
+0.22 (+0.58%)
Last:

This FUNC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FUNC Profitability Analysis

1.1 Basic Checks

  • In the past year FUNC was profitable.
  • FUNC had a positive operating cash flow in the past year.
  • 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.
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 2025 5M 10M 15M 20M 25M

1.2 Ratios

  • With a decent Return On Assets value of 1.17%, FUNC is doing good in the industry, outperforming 71.28% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 12.04%, FUNC is in the better half of the industry, outperforming 78.99% of the companies in the same industry.
Industry RankSector Rank
ROA 1.17%
ROE 12.04%
ROIC N/A
ROA(3y)1%
ROA(5y)1.1%
ROE(3y)10.94%
ROE(5y)12.65%
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 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 27.64%, FUNC is in the better half of the industry, outperforming 61.97% 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 RankSector Rank
OM N/A
PM (TTM) 27.64%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.83%
PM growth 5Y6.04%
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 2025 10 20 30

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2

2. FUNC Health Analysis

2.1 Basic Checks

  • FUNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FUNC has been increased compared to 1 year ago.
  • FUNC has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FUNC has been reduced compared to a year ago.
FUNC Yearly Shares OutstandingFUNC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B

2.2 Solvency

  • FUNC has a debt to FCF ratio of 3.15. This is a good value and a sign of high solvency as FUNC would need 3.15 years to pay back of all of its debts.
  • FUNC has a Debt to FCF ratio of 3.15. This is in the lower half of the industry: FUNC underperforms 60.64% of its industry peers.
  • FUNC has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.24, FUNC is doing worse than 62.77% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACC12.11%
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 2025 50M 100M 150M 200M

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 2025 20M 40M 60M 80M

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

6

3. FUNC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 25.71% over the past year.
  • The Earnings Per Share has been growing by 13.86% on average over the past years. This is quite good.
  • The Revenue has grown by 11.12% in the past year. This is quite good.
  • Measured over the past years, FUNC shows a small growth in Revenue. The Revenue has been growing by 5.73% on average per year.
EPS 1Y (TTM)25.71%
EPS 3Y0.08%
EPS 5Y13.86%
EPS Q2Q%15.79%
Revenue 1Y (TTM)11.12%
Revenue growth 3Y5.43%
Revenue growth 5Y5.73%
Sales Q2Q%72.85%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.03% 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 7.65% on average per year.
EPS Next Y9.47%
EPS Next 2Y10.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.75%
Revenue Next 2Y7.65%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 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. FUNC Valuation Analysis

4.1 Price/Earnings Ratio

  • FUNC is valuated reasonably with a Price/Earnings ratio of 9.64.
  • FUNC's Price/Earnings ratio is rather cheap when compared to the industry. FUNC is cheaper than 84.31% of the companies in the same industry.
  • FUNC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
  • Based on the Price/Forward Earnings ratio of 8.81, the valuation of FUNC can be described as reasonable.
  • 76.60% 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 22.24.
Industry RankSector Rank
PE 9.64
Fwd PE 8.81
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 66.49% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.11
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

  • FUNC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.02
PEG (5Y)0.7
EPS Next 2Y10.03%
EPS Next 3YN/A

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6

5. FUNC Dividend Analysis

5.1 Amount

  • FUNC has a Yearly Dividend Yield of 2.77%.
  • FUNC's Dividend Yield is comparable with the industry average which is at 2.57.
  • FUNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.77%

5.2 History

  • On average, the dividend of FUNC grows each year by 12.50%, 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)12.5%
Div Incr Years7
Div Non Decr Years7
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 24.34% 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.
DP24.34%
EPS Next 2Y10.03%
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 2025 5M 10M 15M 20M 25M
FUNC Dividend Payout.FUNC Dividend Payout, showing the Payout Ratio.FUNC Dividend Payout.PayoutRetained Earnings

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FUNC Fundamentals: All Metrics, Ratios and Statistics

FIRST UNITED CORP

NASDAQ:FUNC (4/24/2026, 8:00:01 PM)

38.18

+0.22 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-27
Inst Owners48.39%
Inst Owner Change0.02%
Ins Owners7.35%
Ins Owner Change1.12%
Market Cap248.17M
Revenue(TTM)88.68M
Net Income(TTM)24.52M
Analysts82.86
Price Target44.88 (17.55%)
Short Float %0.97%
Short Ratio4.63
Dividend
Industry RankSector Rank
Dividend Yield 2.77%
Yearly Dividend0.92
Dividend Growth(5Y)12.5%
DP24.34%
Div Incr Years7
Div Non Decr Years7
Ex-Date04-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14%
Min EPS beat(2)12.34%
Max EPS beat(2)15.66%
EPS beat(4)4
Avg EPS beat(4)11.11%
Min EPS beat(4)7.38%
Max EPS beat(4)15.66%
EPS beat(8)7
Avg EPS beat(8)9.08%
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)16.49%
Min Revenue beat(2)-21.75%
Max Revenue beat(2)54.74%
Revenue beat(4)2
Avg Revenue beat(4)8.13%
Min Revenue beat(4)-21.75%
Max Revenue beat(4)54.74%
Revenue beat(8)3
Avg Revenue beat(8)2.22%
Revenue beat(12)4
Avg Revenue beat(12)2.78%
Revenue beat(16)4
Avg Revenue beat(16)1.38%
PT rev (1m)0%
PT rev (3m)4.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.15%
EPS NY rev (1m)0%
EPS NY rev (3m)1.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.23%
Valuation
Industry RankSector Rank
PE 9.64
Fwd PE 8.81
P/S 2.8
P/FCF 16.11
P/OCF 12.81
P/B 1.22
P/tB 1.29
EV/EBITDA N/A
EPS(TTM)3.96
EY10.37%
EPS(NY)4.34
Fwd EY11.35%
FCF(TTM)2.37
FCFY6.21%
OCF(TTM)2.98
OCFY7.81%
SpS13.64
BVpS31.33
TBVpS29.57
PEG (NY)1.02
PEG (5Y)0.7
Graham Number52.8332 (38.38%)
Profitability
Industry RankSector Rank
ROA 1.17%
ROE 12.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.64%
GM N/A
FCFM 17.37%
ROA(3y)1%
ROA(5y)1.1%
ROE(3y)10.94%
ROE(5y)12.65%
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-5.83%
PM growth 5Y6.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.15
Debt/EBITDA N/A
Cap/Depr 138.2%
Cap/Sales 4.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 62.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.11%
ROIC/WACCN/A
Cap/Depr(3y)66.57%
Cap/Depr(5y)68.43%
Cap/Sales(3y)2.46%
Cap/Sales(5y)2.73%
Profit Quality(3y)102.89%
Profit Quality(5y)99.14%
High Growth Momentum
Growth
EPS 1Y (TTM)25.71%
EPS 3Y0.08%
EPS 5Y13.86%
EPS Q2Q%15.79%
EPS Next Y9.47%
EPS Next 2Y10.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.12%
Revenue growth 3Y5.43%
Revenue growth 5Y5.73%
Sales Q2Q%72.85%
Revenue Next Year8.75%
Revenue Next 2Y7.65%
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-24.33%
FCF growth 3Y-12.38%
FCF growth 5Y1.08%
OCF growth 1Y-13.05%
OCF growth 3Y-9.91%
OCF growth 5Y3.64%

FIRST UNITED CORP / FUNC Fundamental Analysis 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.


Can you provide the profitability details for FIRST UNITED CORP?

FIRST UNITED CORP (FUNC) has a profitability rating of 4 / 10.


What are the PE and PB ratios of FIRST UNITED CORP (FUNC) stock?

The Price/Earnings (PE) ratio for FIRST UNITED CORP (FUNC) is 9.64 and the Price/Book (PB) ratio is 1.22.


Is the dividend of FIRST UNITED CORP sustainable?

The dividend rating of FIRST UNITED CORP (FUNC) is 6 / 10 and the dividend payout ratio is 24.34%.