Financhill
Buy
53

FUNC Quote, Financials, Valuation and Earnings

Last price:
$36.78
Seasonality move :
4.5%
Day range:
$36.75 - $37.56
52-week range:
$24.66 - $41.95
Dividend yield:
2.6%
P/E ratio:
9.80x
P/S ratio:
2.01x
P/B ratio:
1.18x
Volume:
8.8K
Avg. volume:
16.7K
1-year change:
-10.71%
Market cap:
$240.2M
Revenue:
$119.4M
EPS (TTM):
$3.77

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Upside
    No price target exists because of limited analyst coverage.
  • Price Target Downside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, First United Corp. has 19.08% upside to fair value with a price target of $44.00 per share.

FUNC vs. S&P 500

  • Over the past 5 trading days, First United Corp. has underperformed the S&P 500 by -4.95% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • First United Corp. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • First United Corp. has grown year-over-year revenues for 12 quarters straight. In the most recent quarter First United Corp. reported revenues of $29.7M.

Earnings Growth

  • First United Corp. earnings have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter First United Corp. reported earnings per share of $0.89.
Enterprise value:
354.9M
EV / Invested capital:
1.11x
Price / LTM sales:
2.01x
EV / EBIT:
5.44x
EV / Revenue:
2.97x
PEG ratio (5yr expected):
0.50x
EV / Free cash flow:
21.57x
Price / Operating cash flow:
15.59x
Enterprise value / EBITDA:
17.56x
Gross Profit (TTM):
--
Return On Assets:
1.22%
Net Income Margin (TTM):
20.53%
Return On Equity:
12.81%
Return On Invested Capital:
7.24%
Operating Margin:
26.43%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Income Statement
Revenue $95.7M $111.6M $119.4M $28.8M $29.7M
Gross Profit -- -- -- -- --
Operating Income $19.5M $9.7M $32.8M -$7.8M $7.9M
EBITDA -- -- -- -- --
Diluted EPS $2.25 $3.15 $3.77 $0.95 $0.89
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Balance Sheet
Current Assets $125M $85.1M $61.7M $88.9M $132.7M
Total Assets $1.7B $1.9B $1.9B $2B $2.1B
Current Liabilities $1.2B $1.3B $1.4B $1.5B $472.4M
Total Liabilities $1.6B $1.7B $1.8B $1.8B $1.9B
Total Equity $141.9M $151.8M $161.9M $179.3M $203.6M
Total Debt $64.1M $32.8M $112.1M $122.3M $97.1M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $24.6M $18.7M $18.7M $2.3M $1.5M
Cash From Investing -$77.6M $1.3M -$64M -$24.7M $7M
Cash From Financing $102.9M -$38.3M $78.1M $39.7M $7.6M
Free Cash Flow $23.5M $16.9M $16.5M $588K $168K
FUNC
Sector
Market Cap
$240.2M
$541.1M
Price % of 52-Week High
88.09%
91.36%
Dividend Yield
2.6%
1.45%
Shareholder Yield
7.11%
3.02%
1-Year Price Total Return
-10.71%
8.2%
Beta (5-Year)
0.543
0.446
Dividend yield:
2.6%
Annualized payout:
$0.92
Payout ratio:
29.3%
Growth streak:
7 years

Technicals

8-day SMA
Sell
Level $38.06
200-day SMA
Buy
Level $35.27
Bollinger Bands (100)
Sell
Level 35.81 - 39.11
Chaikin Money Flow
Sell
Level -1.5M
20-day SMA
Sell
Level $38.27
Relative Strength Index (RSI14)
Sell
Level 40.92
ADX Line
Sell
Level 15.2
Williams %R
Buy
Level -94.709
50-day SMA
Sell
Level $38.58
MACD (12, 26)
Sell
Level -0.17
25-day Aroon Oscillator
Buy
Level 36
On Balance Volume
Neutral
Level 1.4M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.1816)
Sell
CA Score (Annual)
Level (-2.1617)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (3.1385)
Buy
Piotroski F Score (Annual)
Level (7)
Buy
Quality Ratio Score
Level (3)
Sell
Fundamental Score
Level (5)

Revenue Forecast

Earnings per Share Forecast

Company Profile

First United Corp. is a bank holding company, which engages in community banking services. It offers checking, savings, money market deposit accounts, and certificates of deposit, business loans, personal loans, mortgage loans, lines of credit, and consumer-oriented retirement accounts including individual retirement accounts, and employee benefit accounts through its subsidiary. The company was founded in 1984 and is headquartered in Oakland, MD.

Stock Forecast FAQ

In the current month, FUNC has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The FUNC average analyst price target in the past 3 months is $44.00.

  • Where Will First United Corp. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that First United Corp. share price will rise to $44.00 per share over the next 12 months.

  • What Do Analysts Say About First United Corp.?

    Analysts are divided on their view about First United Corp. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that First United Corp. is a Sell and believe this share price will drop from its current level to $44.00.

  • What Is First United Corp.'s Price Target?

    The price target for First United Corp. over the next 1-year time period is forecast to be $44.00 according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is FUNC A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for First United Corp. is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of FUNC?

    You can purchase shares of First United Corp. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase First United Corp. shares.

  • What Is The First United Corp. Share Price Today?

    First United Corp. was last trading at $36.78 per share. This represents the most recent stock quote for First United Corp.. Yesterday, First United Corp. closed at $36.95 per share.

  • How To Buy First United Corp. Stock Online?

    In order to purchase First United Corp. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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