FIRST UNITED CORP (FUNC) Fundamental Analysis & Valuation

NASDAQ:FUNC • US33741H1077

Current stock price

37.25 USD
+0.09 (+0.24%)
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.
  • In the past year FUNC had a positive cash flow from operations.
  • 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.
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

  • Looking at the Return On Assets, with a value of 1.17%, FUNC is in the better half of the industry, outperforming 71.54% of the companies in the same industry.
  • FUNC has a better Return On Equity (12.04%) than 78.99% of its industry peers.
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

  • FUNC's Profit Margin of 27.64% is fine compared to the rest of the industry. FUNC outperforms 61.70% of its industry peers.
  • FUNC's Profit Margin has improved in the last couple of years.
  • 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.
  • FUNC has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FUNC has less shares outstanding
  • Compared to 1 year ago, FUNC has an improved debt to assets ratio.
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

  • The Debt to FCF ratio of FUNC is 3.15, which is a good value as it means it would take FUNC, 3.15 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.15, FUNC is doing worse than 60.64% of the companies in the same industry.
  • A Debt/Equity ratio of 0.24 indicates that FUNC is not too dependend on debt financing.
  • FUNC has a worse Debt to Equity ratio (0.24) than 62.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACC12.21%
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

5

3. FUNC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 17.53% 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)17.53%
EPS 3Y0.08%
EPS 5Y13.86%
EPS Q2Q%14.61%
Revenue 1Y (TTM)11.12%
Revenue growth 3Y5.43%
Revenue growth 5Y5.73%
Sales Q2Q%11.72%

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 10.03% yearly.
  • 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

  • Based on the Price/Earnings ratio of 9.11, the valuation of FUNC can be described as reasonable.
  • FUNC's Price/Earnings ratio is rather cheap when compared to the industry. FUNC is cheaper than 87.23% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FUNC to the average of the S&P500 Index (26.64), we can say FUNC is valued rather cheaply.
  • FUNC is valuated cheaply with a Price/Forward Earnings ratio of 7.77.
  • Based on the Price/Forward Earnings ratio, FUNC is valued cheaper than 88.03% of the companies in the same industry.
  • FUNC is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.11
Fwd PE 7.77
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

  • Based on the Price/Free Cash Flow ratio, FUNC is valued a bit more expensive than 64.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.72
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.96
PEG (5Y)0.66
EPS Next 2Y10.03%
EPS Next 3YN/A

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

6

5. FUNC Dividend Analysis

5.1 Amount

  • FUNC has a Yearly Dividend Yield of 2.70%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.57, FUNC has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, FUNC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.7%

5.2 History

  • The dividend of FUNC is nicely growing with an annual growth rate of 12.50%!
  • FUNC has been paying a dividend for at least 10 years, so it has 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

  • 24.34% of the earnings are spent on dividend by FUNC. This is a low number and 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 (5/1/2026, 4:30:01 PM)

37.25

+0.09 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners48.39%
Inst Owner Change-0.08%
Ins Owners7.35%
Ins Owner Change1.34%
Market Cap242.13M
Revenue(TTM)88.68M
Net Income(TTM)24.52M
Analysts82.86
Price Target44.88 (20.48%)
Short Float %0.93%
Short Ratio4.7
Dividend
Industry RankSector Rank
Dividend Yield 2.7%
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 9.11
Fwd PE 7.77
P/S 2.73
P/FCF 15.72
P/OCF 12.5
P/B 1.19
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)4.09
EY10.98%
EPS(NY)4.79
Fwd EY12.87%
FCF(TTM)2.37
FCFY6.36%
OCF(TTM)2.98
OCFY8%
SpS13.64
BVpS31.33
TBVpS29.57
PEG (NY)0.96
PEG (5Y)0.66
Graham Number53.6935 (44.14%)
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
WACC12.21%
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)17.53%
EPS 3Y0.08%
EPS 5Y13.86%
EPS Q2Q%14.61%
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%11.72%
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 9.11 and the Price/Book (PB) ratio is 1.19.


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%.