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First United Corp (FUNC)
Price$37.55
Favorite Metrics
Price vs S&P 500 (26W)-0.61%
Price vs S&P 500 (4W)-0.48%
Market Capitalization$244.71M
P/E Ratio (Annual)9.98x
Indicated Dividend Yield (Annual)2.76%
All Metrics
P/CF (Annual)12.63x
Book Value / Share (Quarterly)$31.33
P/TBV (Annual)0.43x
Indicated Dividend (Annual)$1.04
Revenue Growth (3Y)2.53%
Cash Flow / Share (Quarterly)$2.37
Payout Ratio (TTM)24.34%
Price vs S&P 500 (YTD)-1.97%
Net Profit Margin (TTM)26.60%
EPS (TTM)$3.77
10-Day Avg Trading Volume0.01M
EPS Excl Extra (TTM)$3.77
Revenue Growth (5Y)5.86%
EPS (Annual)$3.77
Dividend / Share (Annual)$0.92
ROI (Annual)9.72%
Net Profit Margin (5Y Avg)24.35%
Cash / Share (Quarterly)$11.76
P/E Basic Excl Extra (TTM)9.98x
Revenue Growth QoQ (YoY)30.76%
EPS Growth (5Y)13.81%
P/E Normalized (Annual)9.98x
ROA (Last FY)1.17%
Revenue Growth TTM (YoY)27.40%
EBITD / Share (TTM)$5.39
ROE (5Y Avg)12.65%
Operating Margin (TTM)34.40%
Cash Flow / Share (Annual)$2.37
P/B Ratio1.20x
P/B Ratio (Quarterly)1.19x
Net Income / Employee (Annual)$0
ROA (TTM)1.21%
EPS Growth QoQ (YoY)-6.99%
EV / EBITDA (TTM)8.36x
EPS Incl Extra (Annual)$3.77
3-Month Avg Trading Volume0.02M
52-Week Price Return38.11%
EV / Free Cash Flow (Annual)19.04x
P/E Incl Extra (TTM)9.98x
Tangible BV / Share (Quarterly)$25.06
P/S Ratio (Annual)1.62x
52-Week High$41.95
EPS Excl Extra (Annual)$3.77
CapEx CAGR (5Y)19.93%
Tangible BV CAGR (5Y)0.14%
26-Week Price Return3.37%
13-Week Price Return0.24%
Total Debt / Equity (Annual)0.24x
Enterprise Value$293.302
Revenue / Share Growth (5Y)7.87%
Book Value / Share Growth (5Y)10.86%
Revenue / Employee (Annual)$265,089
Pretax Margin (Annual)43.84%
Cash / Share (Annual)$10.91
3-Month Return Std Dev28.29%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)10.71%
EBITDA Interim CAGR (5Y)4.32%
ROE (Last FY)12.04%
EPS Basic Excl Extra (Annual)$3.77
P/FCF (TTM)15.89x
EV / Free Cash Flow (TTM)19.04x
Total Debt / Equity (Quarterly)0.24x
EPS Incl Extra (TTM)$3.77
ROI (TTM)9.70%
Dividend Growth Rate (5Y)12.50%
P/S Ratio (TTM)1.61x
Pretax Margin (5Y Avg)31.65%
Revenue / Share (Annual)$11.36
Tangible BV / Share (Annual)$16.56
Forward P/E8.84x
Free OCF CAGR (5Y)1.08%
Price vs S&P 500 (52W)8.28%
P/E Ratio (TTM)9.98x
EPS Growth TTM (YoY)19.60%
Year-to-Date Return0.67%
5-Day Price Return-3.63%
EPS Normalized (Annual)$3.77
ROA (5Y Avg)1.10%
Net Profit Margin (Annual)33.10%
Month-to-Date Return2.87%
Cash Flow / Share (TTM)$3.54
EBITD / Share (Annual)$5.39
EPS Growth (3Y)0.07%
Operating Margin (Annual)43.84%
LT Debt / Equity (Annual)0.15x
P/CF (TTM)12.63x
ROI (5Y Avg)8.44%
P/E Excl Extra (TTM)9.98x
LT Debt / Equity (Quarterly)0.15x
EPS Basic Excl Extra (TTM)$3.77
P/TBV (Quarterly)1.19x
Payout Ratio (Annual)24.34%
P/B Ratio (Annual)1.19x
Dividend / Share (TTM)$0.92
Pretax Margin (TTM)34.40%
Book Value / Share (Annual)$31.33
Price vs S&P 500 (13W)-0.45%
Net Margin Growth (5Y)16.00%
Dividend Yield (TTM)2.44%
Beta0.55x
P/FCF (Annual)15.89x
Revenue / Share (TTM)$11.36
ROE (TTM)12.61%
52-Week Low$26.30
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.14
4.14
4.14
4.14
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
FUNCFirst United Corp | 1.19x | 12.61% | 1.21% | — | $37.55 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $309.95 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.51 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.25 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $129.34 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $200.71 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.63 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $42.72 |
PNCPNC Financial Services Group | 1.35x | 11.88% | 1.23% | — | $220.07 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $55.48 |
TFCTruist Financial Corporation | 0.97x | 8.15% | 0.98% | — | $49.43 |
About
First United Corp is a community bank providing deposit and lending services to consumers, businesses, and not-for-profit organizations. Its offerings include checking and savings accounts, certificates of deposit, personal loans, business loans, mortgages, and residential real estate construction loans. Operating through community banking and wealth management segments, the company generates the majority of its revenue from community banking activities.