FUNC First United Corp
Price (delayed)
$29.43
Market cap
$190.51M
P/E Ratio
9.34
Dividend/share
$0.86
EPS
$3.15
Enterprise value
$299.91M
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
The EPS has grown by 40% YoY and by 28% from the previous quarter
The net income has grown by 37% YoY and by 27% from the previous quarter
The stock's price to earnings (P/E) is 22% more than its 5-year quarterly average of 7.4 but 15% less than its last 4 quarters average of 10.7
First United's debt has increased by 19% YoY and by 9% QoQ
Key stats
What are the main financial stats of FUNC
Market
Valuations
Earnings
Shares outstanding
6.47M
Market cap
$190.51M
Enterprise value
$299.91M
Price to earnings (P/E)
9.34
Price to book (P/B)
1.06
Price to sales (P/S)
2.5
EV/EBIT
11.01
EV/EBITDA
9.67
EV/Sales
3.9
Revenue
$76.87M
Gross profit
$76.87M
Operating income
$27.23M
Net income
$20.57M
EBIT
$27.23M
EBITDA
$31.02M
Free cash flow
$20.36M
Per share
Balance sheet
Liquidity
EPS
$3.15
EPS diluted
$3.15
Free cash flow per share
$3.12
Book value per share
$27.72
Revenue per share
$11.78
TBVPS
$300.48
Total assets
$1.97B
Total liabilities
$1.79B
Debt
$187.72M
Equity
$179.3M
Working capital
N/A
Debt to equity
1.05
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.53
Margins
Efficiency
Dividend
EBITDA margin
40.4%
Gross margin
100%
Net margin
26.8%
Operating margin
35.4%
Return on assets
1.1%
Return on equity
12%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
35.4%
Dividend yield
2.92%
DPS
$0.86
Payout ratio
27.3%
FUNC stock price
How has the First United stock price performed over time
Intraday
3.26%
1 week
6.25%
1 month
-4.7%
1 year
32.57%
YTD
-12.7%
QTD
-1.97%
Financial performance
How have First United's revenue and profit performed over time
Revenue
$76.87M
Gross profit
$76.87M
Operating income
$27.23M
Net income
$20.57M
Gross margin
100%
Net margin
26.8%
FUNC's operating income is up by 40% YoY and by 29% QoQ
The net income has grown by 37% YoY and by 27% from the previous quarter
First United's operating margin has increased by 27% YoY and by 19% from the previous quarter
First United's net margin has increased by 24% YoY and by 18% QoQ
Growth
What is First United's growth rate over time
Valuation
What is First United stock price valuation
P/E
9.34
P/B
1.06
P/S
2.5
EV/EBIT
11.01
EV/EBITDA
9.67
EV/Sales
3.9
The EPS has grown by 40% YoY and by 28% from the previous quarter
The stock's price to earnings (P/E) is 22% more than its 5-year quarterly average of 7.4 but 15% less than its last 4 quarters average of 10.7
The P/B is 14% higher than the 5-year quarterly average of 0.9 and 3% higher than the last 4 quarters average of 1.0
First United's equity has increased by 11% YoY and by 3.1% from the previous quarter
The P/S is 34% higher than the 5-year quarterly average of 1.8
First United's revenue has increased by 10% YoY and by 8% QoQ
Efficiency
How efficient is First United business performance
FUNC's return on invested capital is up by 40% year-on-year and by 27% since the previous quarter
The ROA rose by 38% QoQ and by 38% YoY
The ROS has grown by 27% YoY and by 19% from the previous quarter
The ROE has grown by 25% YoY and by 24% from the previous quarter
Dividends
What is FUNC's dividend history
DPS
$0.86
Dividend yield
2.92%
Payout ratio
27.3%
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 3.5% YoY and by 3% QoQ
First United's total liabilities has increased by 3% from the previous quarter and by 2.9% YoY
First United's debt is 4.7% higher than its equity
First United's debt has increased by 19% YoY and by 9% QoQ
First United's equity has increased by 11% YoY and by 3.1% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.