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6.34 (1y: +12%)
Market Cap 222.18 M P/E(ttm) 37.20
Enterprise Value 222.18 M P/B 0.90
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry		 vs
history
Cash to Debt No Debt
FUBC's Cash to Debt is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. FUBC: No Debt )
FUBC' s 10-Year Cash to Debt Range
Min: 0.24   Max: No Debt
Current: No Debt
Equity to Asset 0.112
FUBC's Equity to Asset is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FUBC: 0.112 )
FUBC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.11
0.08
0.12
Interest Coverage No Debt
FUBC's Interest Coverage is ranked higher than
98% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FUBC: No Debt )
FUBC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.31
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry		 vs
history
Operating margin (%) 11.60
FUBC's Operating margin (%) is ranked lower than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. FUBC: 11.60 )
FUBC' s 10-Year Operating margin (%) Range
Min: -9.3   Max: 16.2
Current: 11.6
-9.3
16.2
Net-margin (%) 7.3
FUBC's Net-margin (%) is ranked lower than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. FUBC: 7.3 )
FUBC' s 10-Year Net-margin (%) Range
Min: -6   Max: 20.4
Current: 7.3
-6
20.4
ROE (%) 2
FUBC's ROE (%) is ranked lower than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FUBC: 2 )
FUBC' s 10-Year ROE (%) Range
Min: -1.4   Max: 14.5
Current: 2
-1.4
14.5
ROA (%) 0.3
FUBC's ROA (%) is ranked lower than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FUBC: 0.3 )
FUBC' s 10-Year ROA (%) Range
Min: -0.2   Max: 1.5
Current: 0.3
-0.2
1.5
Revenue Growth (%) -13.7
FUBC's Revenue Growth (%) is ranked lower than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FUBC: -13.7 )
FUBC' s 10-Year Revenue Growth (%) Range
Min: -16.4   Max: 4.6
Current: -13.7
-16.4
4.6
EBITDA Growth (%) -18
FUBC's EBITDA Growth (%) is ranked lower than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. FUBC: -18 )
FUBC' s 10-Year EBITDA Growth (%) Range
Min: -18   Max: 46.2
Current: -18
-18
46.2
EPS Growth (%) -17.3
FUBC's EPS Growth (%) is ranked lower than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. FUBC: -17.3 )
FUBC' s 10-Year EPS Growth (%) Range
Min: -43.3   Max: -10.1
Current: -17.3
-43.3
-10.1
ยป FUBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q2 2012

FUBC Guru Trades in Q2 2012

Richard Snow 43,583 sh (+22.6%)
Jim Simons 10,000 sh (-36.71%)
» More
Q3 2012

FUBC Guru Trades in Q3 2012

Richard Snow 43,583 sh (unchged)
Jim Simons Sold Out
» More
Q4 2012

FUBC Guru Trades in Q4 2012

Richard Snow 58,928 sh (+35.21%)
» More
Q1 2013

FUBC Guru Trades in Q1 2013

Richard Snow 72,438 sh (+22.93%)
» More
» Details

Insider Trades

Latest Guru Trades with FUBC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
George Soros 2011-09-30 Sold Out 0.0009%$4.66 - $6.47 $ 6.3416%0
George Soros 2011-06-30 New Buy$5.53 - $7.13 $ 6.340%10500
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 37.20
FUBC's P/E(ttm) is ranked lower than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. FUBC: 37.20 )
FUBC' s 10-Year P/E(ttm) Range
Min: 9.61   Max: 85.48
Current: 37.2
9.61
85.48
P/B 0.90
FUBC's P/B is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FUBC: 0.90 )
FUBC' s 10-Year P/B Range
Min: 0.3   Max: 1.32
Current: 0.9
0.3
1.32
P/S 3.25
FUBC's P/S is ranked lower than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FUBC: 3.25 )
FUBC' s 10-Year P/S Range
Min: 1.21   Max: 4.97
Current: 3.25
1.21
4.97
PFCF 158.60
FUBC's PFCF is ranked lower than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FUBC: 158.60 )
FUBC' s 10-Year PFCF Range
Min: 6.58   Max: 7.66693E+17
Current: 158.6
6.58
7.66693E+17
EV-to-EBIT 24.4
FUBC's EV-to-EBIT is ranked lower than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. FUBC: 24.4 )
FUBC' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 18.4
Current: 24.4
0.1
18.4
Shiller P/E 24.4
FUBC's Shiller P/E is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. FUBC: 24.4 )
FUBC' s 10-Year Shiller P/E Range
Min: 10.14   Max: 35.28
Current: 24.4
10.14
35.28

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.2
FUBC's Price/Tangible Book is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FUBC: 1.2 )
FUBC' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 1.4
Current: 1.2
0.8
1.4
Price/DCF (Projected) 1
FUBC's Price/DCF (Projected) is ranked higher than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. FUBC: 1 )
FUBC' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 1.1
Current: 1
0.5
1.1
Price/Median PS Value 1.1
FUBC's Price/Median PS Value is ranked higher than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FUBC: 1.1 )
FUBC' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.1
Current: 1.1
0.6
1.1
Price/Graham Number 1.5
FUBC's Price/Graham Number is ranked higher than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FUBC: 1.5 )
FUBC' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 2.2
Current: 1.5
0.8
2.2
Earnings Yield (Greenblatt) 4.10
FUBC's Earnings Yield (Greenblatt) is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FUBC: 4.10 )
FUBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.9   Max: 1689.3
Current: 4.1
3.9
1689.3
Forward Rate of Return (Yacktman) -0.73
FUBC's Forward Rate of Return (Yacktman) is ranked lower than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. FUBC: -0.73 )
FUBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1   Max: 7.1
Current: -0.73
-1
7.1

Business Description

1st United Bancorp is a financial holding company headquartered in Boca Raton, Florida. Its main subsidiary, 1st United, is a Florida-chartered commercial bank, which operates 19 banking centers in Florida, from the Central Florida through the Treasure Coast to South Florida, including Brevard, Broward, Indian River, Miami-Dade, Palm Beach, Pasco, and Pinellas Counties. The Company offers a variety of traditional loan and deposit products, which it tailors to their specific needs to its customers, mainly professionals, individuals and small- and medium-sized businesses. It provides for the financing needs of the community it serves by offering a variety of loans including: commercial loans, which would include collateralized loans for working capital (including inventory and receivables), business expansion (including real estate acquisitions and improvements), and purchase of equipment and machinery; small business loans, including SBA lending; Exim Bank insured or guaranteed loans; residential real estate loans to enable borrowers to purchase, refinance, construct upon or improve real property, and home equity loans; and consumer loans, including collateralized and uncollateralized loans for financing automobiles, boats, home improvements, and personal investments. Through the Business Banking division and SBA division, the Company's commercial real estate loan portfolio includes loans secured by office buildings, warehouses, retail stores and other properties. The Company originates consumer loans bearing both fixed and prime-based variable interest rates. It originate loans directly through the banking centers, business bankers and residential lenders. Through its Business Banking division, the Company focuses on the commercial loan market comprised of small- to medium-sized businesses with combined borrowing needs up to $10.0 million. These businesses include professional associations, medical services, retail trade, construction, transportation, wholesale trade, manufacturing, and tourism-related service industries. Through its Credit and Risk Management division, the Company uses its loan origination underwriting procedures to assess both the borrower's ability to make main and interest payments and the value of the collateral securing the loan. The Company follows a lending policy that permits prudent risks to assist consumers and businesses in its market area. The Company has no subprime loans. It sells loan participations to other banks. Commercial banking in Florida, including its market, is highly competitive. The Company's competitors in the market are Bank of America, SunTrust Bank, Wells Fargo, BB&T, PNC, Citigroup, and Regions Financial, and these institutions capture the majority of the deposits. The Company is registered with the Board of Governors of the Federal Reserve System as a financial holding company under the Gramm-Leach-Bliley Act and is registered with the Federal Reserve System as a bank holding comp
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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