FUNC First United Corp
Price (delayed)
$37.64
Market cap
$243.48M
P/E Ratio
15.3
Dividend/share
$0.84
EPS
$2.46
Enterprise value
$353.57M
First United Corporation is the parent company of First United Bank & Trust, a Maryland trust company with commercial banking powers. The Bank's wholly-owned subsidiaries include OakFirst Loan Center, Inc.
Highlights
First United's equity has increased by 12% YoY and by 6% from the previous quarter
The net income has contracted by 20% YoY but it has grown by 8% from the previous quarter
The EPS has contracted by 19% YoY but it has grown by 10% from the previous quarter
The stock's price to earnings (P/E) is 110% more than its 5-year quarterly average of 7.3 and 44% more than its last 4 quarters average of 10.6
First United's debt has increased by 28% QoQ and by 3.5% YoY
Key stats
What are the main financial stats of FUNC
Market
Valuations
Earnings
Shares outstanding
6.47M
Market cap
$243.48M
Enterprise value
$353.57M
Price to earnings (P/E)
15.3
Price to book (P/B)
1.4
Price to sales (P/S)
3.43
EV/EBIT
16.71
EV/EBITDA
13.53
EV/Sales
4.98
Revenue
$71.03M
Gross profit
$71.03M
Operating income
$21.16M
Net income
$16.14M
EBIT
$21.16M
EBITDA
$26.13M
Free cash flow
$16.87M
Per share
Balance sheet
Liquidity
EPS
$2.46
EPS diluted
$2.47
Free cash flow per share
$2.61
Book value per share
$26.91
Revenue per share
$10.98
TBVPS
$294.41
Total assets
$1.92B
Total liabilities
$1.74B
Debt
$172.48M
Equity
$173.98M
Working capital
N/A
Debt to equity
0.99
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.21
Margins
Efficiency
Dividend
EBITDA margin
36.8%
Gross margin
100%
Net margin
22.7%
Operating margin
29.8%
Return on assets
0.8%
Return on equity
9.7%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
29.8%
Dividend yield
2.23%
DPS
$0.84
Payout ratio
34.1%
FUNC stock price
How has the First United stock price performed over time
Intraday
-3.14%
1 week
-6.76%
1 month
14.06%
1 year
75.81%
YTD
11.66%
QTD
11.66%
Financial performance
How have First United's revenue and profit performed over time
Revenue
$71.03M
Gross profit
$71.03M
Operating income
$21.16M
Net income
$16.14M
Gross margin
100%
Net margin
22.7%
The net income has contracted by 20% YoY but it has grown by 8% from the previous quarter
FUNC's operating income is down by 19% YoY but it is up by 10% QoQ
First United's net margin has decreased by 15% YoY but it has increased by 6% QoQ
First United's operating margin has decreased by 14% YoY but it has increased by 8% from the previous quarter
Growth
What is First United's growth rate over time
Valuation
What is First United stock price valuation
P/E
15.3
P/B
1.4
P/S
3.43
EV/EBIT
16.71
EV/EBITDA
13.53
EV/Sales
4.98
The stock's price to earnings (P/E) is 110% more than its 5-year quarterly average of 7.3 and 44% more than its last 4 quarters average of 10.6
The EPS has contracted by 19% YoY but it has grown by 10% from the previous quarter
The P/B is 56% higher than the 5-year quarterly average of 0.9 and 40% higher than the last 4 quarters average of 1.0
First United's equity has increased by 12% YoY and by 6% from the previous quarter
The P/S is 91% higher than the 5-year quarterly average of 1.8 and 49% higher than the last 4 quarters average of 2.3
First United's revenue has decreased by 6% YoY but it has increased by 2% QoQ
Efficiency
How efficient is First United business performance
The ROA fell by 27% YoY
The ROE has contracted by 27% YoY but it has grown by 5% from the previous quarter
FUNC's return on invested capital is down by 15% year-on-year but it is up by 10% since the previous quarter
The ROS has contracted by 14% YoY but it has grown by 8% from the previous quarter
Dividends
What is FUNC's dividend history
DPS
$0.84
Dividend yield
2.23%
Payout ratio
34.1%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did First United financials performed over time
The company's total assets is 10% higher than its total liabilities
The company's total assets rose by 2.5% QoQ
First United's total liabilities has increased by 2.2% from the previous quarter
First United's debt has increased by 28% QoQ and by 3.5% YoY
First United's debt to equity has increased by 21% QoQ but it has decreased by 7% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.