Valuation dashboard for First United Corporation (FUNC) with P/E 11.32, P/B 1.33, EV/EBITDA 8.59 and dividend yield 2.37%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
First United Corporation acts as the holding company for First United Bank & Trust, which delivers a wide array of retail and commercial banking solutions to both businesses and individual customers. The bank offers a diverse portfolio of deposit accounts, encompassing standard checking, savings, and money market options, in addition to specialized choices like regular and Individual Retirement Account (IRA) certificates of deposit, Christmas savings, college savings, and hea...
Analysis Summary
First United Corporation reported revenue of $119.2M in the most recent fiscal year, growing at a 5-year CAGR of 9.2%. Net income reached $24.5M, with a 12.1% 5-year CAGR.
Trailing-twelve-month margins: gross margin 71.9%, operating margin 26.9%, net margin 20.4%.
At the current price of $43.50, FUNC trades at a P/E of 11.32 and an ROE of 12.22%. Market capitalisation stands at $281M.
Balance sheet quality for FUNC: current ratio of 0.1. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 11.32 |
| Price / Book | 1.33 |
| EV / EBITDA | 8.59 |
| Dividend Yield | 2.37% |
Valuation Models
| DCF Fair Value | $71.54 |
| vs Current Price | +64.5% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| FUNC | First United Corporation | $281M | 11.32 | 1.33 | 12.2% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price
| Price | $43.50 |
| Market Cap | $281M |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 12.22% |
| Return on Invested Capital | 7.98% |
| Return on Assets | 1.20% |
| Gross Margin | 71.87% |
| Operating Margin | 26.93% |
| Net Margin | 20.38% |
Related companies: BPRN · CFFI · FSFG · FVCB · HWBK · ISTR · LCNB
Explore sector: Financial Services · Banks - Regional
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