FIRST UNITED CORP (FUNC) Stock Fundamental Analysis
USA - NASDAQ:FUNC - US33741H1077 - Common Stock
37.2 USD
+0.62 (+1.69%)
FUNC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
FUNC had positive earnings in each of the past 5 years.
In the past 5 years FUNC always reported a positive cash flow from operatings.
1.2 Ratios
FUNC's Return On Assets of 1.18% is fine compared to the rest of the industry. FUNC outperforms 76.98% of its industry peers.
FUNC has a Return On Equity of 12.42%. This is amongst the best in the industry. FUNC outperforms 84.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 12.42% | ||
| 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 28.35%, FUNC is doing good in the industry, outperforming 75.70% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.35% | ||
| 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.
The number of shares outstanding for FUNC has been reduced compared to 5 years ago.
Compared to 1 year ago, FUNC has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FUNC is 4.85, which is a neutral value as it means it would take FUNC, 4.85 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FUNC (4.85) is worse than 67.26% of its industry peers.
FUNC has a Debt/Equity ratio of 0.43. This is a healthy value indicating a solid balance between debt and equity.
FUNC has a worse Debt to Equity ratio (0.43) than 75.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 4.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.44%
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 39.94%, 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 11.86%.
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)39.94%
EPS 3Y2.27%
EPS 5Y11.2%
EPS Q2Q%N/A
Revenue 1Y (TTM)11.86%
Revenue growth 3Y2.88%
Revenue growth 5Y4.79%
Sales Q2Q%72.91%
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 15.22% on average per year.
FUNC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.14% yearly.
EPS Next Y18.19%
EPS Next 2Y15.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.12%
Revenue Next 2Y8.14%
Revenue Next 3YN/A
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 11.81 indicates a reasonable valuation of FUNC.
FUNC's Price/Earnings is on the same level as the industry average.
FUNC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.89.
The Price/Forward Earnings ratio is 8.90, which indicates a very decent valuation of FUNC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FUNC indicates a somewhat cheap valuation: FUNC is cheaper than 69.82% of the companies listed 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 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.81 | ||
| Fwd PE | 8.9 |
4.2 Price Multiples
FUNC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.31 | ||
| 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.
A more expensive valuation may be justified as FUNC's earnings are expected to grow with 15.22% in the coming years.
PEG (NY)0.65
PEG (5Y)1.05
EPS Next 2Y15.22%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FUNC has a Yearly Dividend Yield of 2.84%.
Compared to an average industry Dividend Yield of 3.53, FUNC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, FUNC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
5.2 History
On average, the dividend of FUNC grows each year by 13.42%, which is quite nice.
FUNC has been paying a dividend for at least 10 years, so it has 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
23.43% 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.
DP23.43%
EPS Next 2Y15.22%
EPS Next 3YN/A
NASDAQ:FUNC (10/24/2025, 8:00:01 PM)
37.2
+0.62 (+1.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.74%
Inst Owner Change0.01%
Ins Owners7.98%
Ins Owner Change1.49%
Market Cap241.43M
Revenue(TTM)79.80M
Net Income(TTM)23.75M
Analysts82.86
Price Target42.84 (15.16%)
Short Float %1.23%
Short Ratio3.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
Yearly Dividend0.82
Dividend Growth(5Y)13.42%
DP23.43%
Div Incr Years6
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.22%
Min EPS beat(2)7.38%
Max EPS beat(2)9.07%
EPS beat(4)4
Avg EPS beat(4)8.8%
Min EPS beat(4)7.38%
Max EPS beat(4)10.45%
EPS beat(8)7
Avg EPS beat(8)10.09%
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)-0.23%
Min Revenue beat(2)-0.97%
Max Revenue beat(2)0.51%
Revenue beat(4)1
Avg Revenue beat(4)-0.79%
Min Revenue beat(4)-2.03%
Max Revenue beat(4)0.51%
Revenue beat(8)3
Avg Revenue beat(8)1.26%
Revenue beat(12)3
Avg Revenue beat(12)-0.43%
Revenue beat(16)5
Avg Revenue beat(16)0.28%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.49%
EPS NY rev (1m)0%
EPS NY rev (3m)5.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.81 | ||
| Fwd PE | 8.9 | ||
| P/S | 2.88 | ||
| P/FCF | 14.31 | ||
| P/OCF | 12.39 | ||
| P/B | 1.26 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.15
EY8.47%
EPS(NY)4.18
Fwd EY11.24%
FCF(TTM)2.6
FCFY6.99%
OCF(TTM)3
OCFY8.07%
SpS12.91
BVpS29.45
TBVpS27.66
PEG (NY)0.65
PEG (5Y)1.05
Graham Number45.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 12.42% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.35% | ||
| GM | N/A | ||
| FCFM | 20.15% |
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 | 0.43 | ||
| Debt/FCF | 4.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 87.52% | ||
| Cap/Sales | 3.12% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 71.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC11.44%
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)39.94%
EPS 3Y2.27%
EPS 5Y11.2%
EPS Q2Q%N/A
EPS Next Y18.19%
EPS Next 2Y15.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.86%
Revenue growth 3Y2.88%
Revenue growth 5Y4.79%
Sales Q2Q%72.91%
Revenue Next Year10.12%
Revenue Next 2Y8.14%
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-24.67%
FCF growth 3Y2.51%
FCF growth 5Y10.42%
OCF growth 1Y-18.79%
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 5 / 10 to FUNC.
What is the valuation status of FIRST UNITED CORP (FUNC) stock?
ChartMill assigns a valuation rating of 6 / 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 23.43%.