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First United Corporation FUNC

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Price alert · FUNC

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45.84 USD -0.18 -0.39%

At close · Oct 30

45.84 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
45.74 × 2
Ask
45.86 × 2
45.68 Day range 46.34
33.90 52-week range 46.71
YTD
+22.44%
1 year
+31.54%
Open
46.34
Prev close
46.02
Mkt cap
295.95M
Vol
14.85K
Avg vol
26.32K
EPS
3.90
P/E
11.75
Div yield
2.43%
More statistics
Low
45.68
High
46.34
Forward P/E
10.31
Beta
0.77
Short ratio
0.22
Inst. own
44.74%
Dividend
0.88
Ex-div date
Jan 16, 2025
Earnings
Feb 3, 2025
50-d avg
33.73
200-d avg
26.66
1y target
0.00

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Financial health

Altman Z-Score

-0.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 9.9×
FY 2016: 19.0×FY 2017: 30.0×FY 2018: 10.5×FY 2019: 13.0×FY 2020: 7.6×FY 2021: 6.4×FY 2022: 5.2×FY 2023: 10.4×FY 2024: 10.7×FY 2025: 9.9×
FY 2016 5y median 9.9× FY 2025
P/S 2.0×
FY 2016: 1.7×FY 2017: 2.0×FY 2018: 1.7×FY 2019: 2.3×FY 2020: 1.4×FY 2021: 1.6×FY 2022: 1.6×FY 2023: 1.6×FY 2024: 2.0×FY 2025: 2.0×
FY 2016 5y median 1.6× FY 2025
P/B 1.2×
FY 2016: 0.9×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.4×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 1.0×FY 2024: 1.2×FY 2025: 1.2×
FY 2016 5y median 1.0× FY 2025
P/FCF 15.8×
FY 2016: 13.2×FY 2017: 19.0×FY 2018: 12.8×FY 2019: 13.8×FY 2020: 7.5×FY 2021: 6.7×FY 2022: 5.7×FY 2023: 7.1×FY 2024: 10.8×FY 2025: 15.8×
FY 2016 5y median 7.1× FY 2025
EV/EBITDA 6.4×
FY 2016: 17.4×FY 2017: 14.6×FY 2018: 16.9×FY 2019: 13.8×FY 2020: 5.3×FY 2021: 3.4×FY 2022: 4.2×FY 2023: 10.9×FY 2024: 10.6×FY 2025: 6.4×
FY 2016 5y median 6.4× FY 2025
EV/Sales 1.9×
FY 2016: 3.4×FY 2017: 3.4×FY 2018: 4.0×FY 2019: 3.7×FY 2020: 1.5×FY 2021: 1.3×FY 2022: 1.9×FY 2023: 2.8×FY 2024: 2.9×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
FCF Yield 6.3%
FY 2016: 7.6%FY 2017: 5.3%FY 2018: 7.8%FY 2019: 7.3%FY 2020: 13.4%FY 2021: 15.0%FY 2022: 17.6%FY 2023: 14.1%FY 2024: 9.3%FY 2025: 6.3%
FY 2016 5y median 14.1% FY 2025

Profitability

Gross Margin 70.2%
FY 2016: 81.3%FY 2017: 83.8%FY 2018: 84.9%FY 2019: 82.8%FY 2020: 80.4%FY 2021: 93.8%FY 2022: 94.8%FY 2023: 73.0%FY 2024: 68.8%FY 2025: 70.2%
FY 2016 5y median 73.0% FY 2025
Operating Margin 27.3%
FY 2016: 16.6%FY 2017: 19.9%FY 2018: 19.9%FY 2019: 22.0%FY 2020: 23.1%FY 2021: 33.5%FY 2022: 41.2%FY 2023: 20.4%FY 2024: 24.4%FY 2025: 27.3%
FY 2016 5y median 27.3% FY 2025
Net Margin 20.6%
FY 2016: 12.0%FY 2017: 8.6%FY 2018: 15.8%FY 2019: 17.6%FY 2020: 18.0%FY 2021: 25.1%FY 2022: 31.1%FY 2023: 15.8%FY 2024: 18.4%FY 2025: 20.6%
FY 2016 5y median 20.6% FY 2025
ROE 12.0%
FY 2016: 6.4%FY 2017: 4.9%FY 2018: 9.1%FY 2019: 10.4%FY 2020: 10.6%FY 2021: 13.9%FY 2022: 16.5%FY 2023: 9.3%FY 2024: 11.5%FY 2025: 12.0%
FY 2016 5y median 12.0% FY 2025
ROIC 7.0%
FY 2016: 2.6%FY 2017: 1.9%FY 2018: 3.4%FY 2019: 4.4%FY 2020: 4.7%FY 2021: 8.1%FY 2022: 9.1%FY 2023: 4.3%FY 2024: 5.2%FY 2025: 7.0%
FY 2016 5y median 7.0% FY 2025
ROA 1.2%
FY 2016: 0.6%FY 2017: 0.4%FY 2018: 0.8%FY 2019: 0.9%FY 2020: 0.8%FY 2021: 1.1%FY 2022: 1.4%FY 2023: 0.8%FY 2024: 1.0%FY 2025: 1.2%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 6.6%
FY 2016: 1.8%FY 2017: 1.3%FY 2018: 10.2%FY 2019: 10.6%FY 2020: 3.0%FY 2021: 2.2%FY 2022: 2.3%FY 2023: 18.9%FY 2024: 16.9%FY 2025: 6.6%
FY 2016 FY 2025
Operating Income 19.5%
FY 2016: -48.3%FY 2017: 21.4%FY 2018: 10.0%FY 2019: 22.6%FY 2020: 8.0%FY 2021: 47.9%FY 2022: 26.1%FY 2023: -41.3%FY 2024: 39.8%FY 2025: 19.5%
FY 2016 FY 2025
EPS (diluted) 19.7%
FY 2016: -49.1%FY 2017: -31.0%FY 2018: 160.3%FY 2019: 22.5%FY 2020: 10.3%FY 2021: 44.1%FY 2022: 27.9%FY 2023: -40.2%FY 2024: 40.0%FY 2025: 19.7%
FY 2016 FY 2025
Free Cash Flow -24.3%
FY 2016: -63.7%FY 2017: -15.9%FY 2018: 38.5%FY 2019: 40.9%FY 2020: 17.3%FY 2021: 29.7%FY 2022: 21.6%FY 2023: -3.7%FY 2024: -8.0%FY 2025: -24.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.6×
FY 2016: 1.5×FY 2017: 1.6×FY 2018: 1.5×FY 2019: 1.2×FY 2020: 1.2×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA -0.5×
FY 2016: 8.9×FY 2017: 6.1×FY 2018: 9.8×FY 2019: 5.2×FY 2020: 0.2×FY 2021: -0.8×FY 2022: 0.6×FY 2023: 4.4×FY 2024: 3.5×FY 2025: -0.5×
FY 2016 5y median 0.6× FY 2025
Interest Coverage 1.0×
FY 2016: 1.2×FY 2017: 1.7×FY 2018: 1.7×FY 2019: 1.4×FY 2020: 1.8×FY 2021: 4.6×FY 2022: 6.9×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 2.0%FY 2017: 1.0%FY 2018: 1.7%FY 2019: 1.8%FY 2020: 3.4%FY 2021: 3.1%FY 2022: 3.1%FY 2023: 3.3%FY 2024: 2.4%FY 2025: 2.5%
FY 2016 5y median 3.1% FY 2025
Payout Ratio 24.3%
FY 2016: 27.8%FY 2017: 23.1%FY 2018: 17.9%FY 2019: 23.8%FY 2020: 26.3%FY 2021: 19.7%FY 2022: 15.9%FY 2023: 34.6%FY 2024: 26.1%FY 2025: 24.3%
FY 2016 5y median 24.3% FY 2025

Annual · latest fiscal year ends 2025-12-31