FUNC First United Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: FUNC

Price (delayed)

$22.27

Market cap

$147.94M

P/E Ratio

9.9

Dividend/share

$0.8

EPS

$2.25

Enterprise value

$256.09M

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 7% YoY and by 4.4% from the previous quarter
First United's debt has surged by 61% YoY but it has decreased by 5% QoQ
The stock's price to earnings (P/E) is 60% more than its last 4 quarters average of 6.2 and 30% more than its 5-year quarterly average of 7.6
The EPS has contracted by 40% YoY and by 26% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.mybank4.com
Peers: SASR SHBI EGBN FNB

Key stats

What are the main financial stats of FUNC
Market
Shares outstanding
6.64M
Market cap
$147.94M
Enterprise value
$256.09M
Valuations
Price to earnings (P/E)
9.9
Price to book (P/B)
0.92
Price to sales (P/S)
2.14
EV/EBIT
13.15
EV/EBITDA
10.5
EV/Sales
3.67
Earnings
Revenue
$69.72M
EBIT
$19.48M
EBITDA
$24.39M
Free cash flow
$22.13M
Per share
EPS
$2.25
Free cash flow per share
$3.31
Book value per share
$24.21
Revenue per share
$10.43
TBVPS
$283.24
Balance sheet
Total assets
$1.91B
Total liabilities
$1.74B
Debt
$157.9M
Equity
$161.87M
Working capital
N/A
Liquidity
Debt to equity
0.98
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.43
Margins
EBITDA margin
35%
Gross margin
100%
Net margin
21.6%
Operating margin
27.9%
Efficiency
Return on assets
0.8%
Return on equity
9.6%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
27.9%
Dividend
Dividend yield
3.59%
DPS
$0.8
Payout ratio
35.6%

FUNC stock price

How has the First United stock price performed over time
Intraday
0.32%
1 week
1.18%
1 month
-1.63%
1 year
34.16%
YTD
-5.27%
QTD
-2.79%

Financial performance

How have First United's revenue and profit performed over time
Revenue
$69.72M
Gross profit
$69.72M
Operating income
$19.48M
Net income
$15.06M
Gross margin
100%
Net margin
21.6%
FUNC's operating income is down by 41% YoY and by 26% QoQ
The net income has contracted by 40% YoY and by 26% from the previous quarter
First United's operating margin has decreased by 36% YoY and by 19% from the previous quarter
First United's net margin has decreased by 34% YoY and by 19% QoQ

Growth

What is First United's growth rate over time

Valuation

What is First United stock price valuation
P/E
9.9
P/B
0.92
P/S
2.14
EV/EBIT
13.15
EV/EBITDA
10.5
EV/Sales
3.67
The stock's price to earnings (P/E) is 60% more than its last 4 quarters average of 6.2 and 30% more than its 5-year quarterly average of 7.6
The EPS has contracted by 40% YoY and by 26% from the previous quarter
The P/B is 15% higher than the last 4 quarters average of 0.8 and 2.2% higher than the 5-year quarterly average of 0.9
First United's equity has increased by 7% YoY and by 4.4% from the previous quarter
The P/S is 34% higher than the last 4 quarters average of 1.6 and 19% higher than the 5-year quarterly average of 1.8
First United's revenue has decreased by 9% YoY and by 8% QoQ

Efficiency

How efficient is First United business performance
The ROE has contracted by 47% YoY and by 27% from the previous quarter
FUNC's return on invested capital is down by 44% year-on-year and by 23% since the previous quarter
The ROA fell by 43% YoY and by 27% QoQ
The ROS has contracted by 36% YoY and by 19% from the previous quarter

Dividends

What is FUNC's dividend history
Dividend details
DPS
$0.8
Dividend yield
3.59%
Payout ratio
35.6%
Recent dividends

Financial health

How did First United financials performed over time
The company's total assets is 9% higher than its total liabilities
First United's total liabilities has increased by 2.8% YoY
The company's total assets rose by 3.1% YoY
First United's debt is 2.5% lower than its equity
First United's debt has surged by 61% YoY but it has decreased by 5% QoQ
First United's debt to equity has surged by 53% YoY but it has decreased by 8% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.