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GuruFocus Financial Strength Rank measures how strong a company’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 : 6/10

vs
industry
vs
history
Cash to Debt 1.95
FUBC's Cash to Debt is ranked higher than
54% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FUBC: 1.95 )
Ranked among companies with meaningful Cash to Debt only.
FUBC' s 10-Year Cash to Debt Range
Min: 0.22  Med: 25.71 Max: No Debt
Current: 1.95
Equity to Asset 0.14
FUBC's Equity to Asset is ranked higher than
80% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FUBC: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
FUBC' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.15 Max: 0.26
Current: 0.14
0.09
0.26
Interest Coverage 2.89
FUBC's Interest Coverage is ranked higher than
66% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FUBC: 2.89 )
Ranked among companies with meaningful Interest Coverage only.
FUBC' s 10-Year Interest Coverage Range
Min: 0.34  Med: 1.42 Max: 9999.99
Current: 2.89
0.34
9999.99
F-Score: 5
Z-Score: 0.20
WACC vs ROIC
2.62%
4.82%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 : 4/10

vs
industry
vs
history
Operating margin (%) 19.33
FUBC's Operating margin (%) is ranked lower than
74% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. FUBC: 19.33 )
Ranked among companies with meaningful Operating margin (%) only.
FUBC' s 10-Year Operating margin (%) Range
Min: -9.3  Med: 10.67 Max: 16.19
Current: 19.33
-9.3
16.19
Net-margin (%) 11.67
FUBC's Net-margin (%) is ranked lower than
78% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. FUBC: 11.67 )
Ranked among companies with meaningful Net-margin (%) only.
FUBC' s 10-Year Net-margin (%) Range
Min: -5.99  Med: 8.72 Max: 20.36
Current: 11.67
-5.99
20.36
ROE (%) 3.48
FUBC's ROE (%) is ranked lower than
81% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. FUBC: 3.48 )
Ranked among companies with meaningful ROE (%) only.
FUBC' s 10-Year ROE (%) Range
Min: -1.77  Med: 2.24 Max: 15.4
Current: 3.48
-1.77
15.4
ROA (%) 0.48
FUBC's ROA (%) is ranked lower than
70% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FUBC: 0.48 )
Ranked among companies with meaningful ROA (%) only.
FUBC' s 10-Year ROA (%) Range
Min: -0.27  Med: 0.37 Max: 1.55
Current: 0.48
-0.27
1.55
ROC (Joel Greenblatt) (%) 80.44
FUBC's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. FUBC: 80.44 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FUBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -26.43  Med: 49.54 Max: 63.14
Current: 80.44
-26.43
63.14
Revenue Growth (3Y)(%) -2.10
FUBC's Revenue Growth (3Y)(%) is ranked lower than
69% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FUBC: -2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FUBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -16.6  Med: -8.80 Max: 9.5
Current: -2.1
-16.6
9.5
EBITDA Growth (3Y)(%) 31.30
FUBC's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FUBC: 31.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FUBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -7.05 Max: 31.3
Current: 31.3
0
31.3
EPS Growth (3Y)(%) 49.40
FUBC's EPS Growth (3Y)(%) is ranked higher than
92% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FUBC: 49.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FUBC' s 10-Year EPS Growth (3Y)(%) Range
Min: -56.1  Med: -6.30 Max: 49.4
Current: 49.4
-56.1
49.4
» FUBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

FUBC Guru Trades in Q1 2014

Jim Simons 66,592 sh (+184.58%)
Private Capital 706,932 sh (+26.23%)
Richard Snow Sold Out
» More
Q2 2014

FUBC Guru Trades in Q2 2014

Jim Simons 120,586 sh (+81.08%)
Private Capital 740,638 sh (+4.77%)
» More
Q3 2014

FUBC Guru Trades in Q3 2014

Jim Simons 138,970 sh (+15.25%)
Private Capital 723,064 sh (-2.37%)
» More
Q4 2014

FUBC Guru Trades in Q4 2014

Jim Simons Sold Out
Private Capital Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FUBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 36.00
FUBC's P/E(ttm) is ranked lower than
91% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. FUBC: 36.00 )
Ranked among companies with meaningful P/E(ttm) only.
FUBC' s 10-Year P/E(ttm) Range
Min: 8.91  Med: 39.97 Max: 115.81
Current: 36
8.91
115.81
Forward P/E 18.38
FUBC's Forward P/E is ranked lower than
89% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. FUBC: 18.38 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 35.40
FUBC's PE(NRI) is ranked lower than
91% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. FUBC: 35.40 )
Ranked among companies with meaningful PE(NRI) only.
FUBC' s 10-Year PE(NRI) Range
Min: 8.75  Med: 40.19 Max: 119.67
Current: 35.4
8.75
119.67
P/B 1.27
FUBC's P/B is ranked lower than
63% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FUBC: 1.27 )
Ranked among companies with meaningful P/B only.
FUBC' s 10-Year P/B Range
Min: 0.35  Med: 0.91 Max: 1.32
Current: 1.27
0.35
1.32
P/S 4.34
FUBC's P/S is ranked lower than
74% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. FUBC: 4.34 )
Ranked among companies with meaningful P/S only.
FUBC' s 10-Year P/S Range
Min: 1.21  Med: 3.08 Max: 4.34
Current: 4.34
1.21
4.34
PFCF 27.66
FUBC's PFCF is ranked lower than
83% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. FUBC: 27.66 )
Ranked among companies with meaningful PFCF only.
FUBC' s 10-Year PFCF Range
Min: 6.58  Med: 23.16 Max: 103.67
Current: 27.66
6.58
103.67
POCF 26.03
FUBC's POCF is ranked lower than
88% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. FUBC: 26.03 )
Ranked among companies with meaningful POCF only.
FUBC' s 10-Year POCF Range
Min: 5.21  Med: 20.69 Max: 36
Current: 26.03
5.21
36
EV-to-EBIT 20.11
FUBC's EV-to-EBIT is ranked lower than
68% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. FUBC: 20.11 )
Ranked among companies with meaningful EV-to-EBIT only.
FUBC' s 10-Year EV-to-EBIT Range
Min: -171.9  Med: 6.50 Max: 28.5
Current: 20.11
-171.9
28.5
PEG 20.82
FUBC's PEG is ranked lower than
99% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FUBC: 20.82 )
Ranked among companies with meaningful PEG only.
FUBC' s 10-Year PEG Range
Min: 0.16  Med: 2.79 Max: 3.77
Current: 20.82
0.16
3.77
Shiller P/E 123.07
FUBC's Shiller P/E is ranked lower than
98% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. FUBC: 123.07 )
Ranked among companies with meaningful Shiller P/E only.
FUBC' s 10-Year Shiller P/E Range
Min: 16.71  Med: 30.16 Max: 400
Current: 123.07
16.71
400
Days Sales Outstanding 240.72
FUBC's Days Sales Outstanding is ranked lower than
90% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. FUBC: 240.72 )
Ranked among companies with meaningful Days Sales Outstanding only.
FUBC' s 10-Year Days Sales Outstanding Range
Min: 99.93  Med: 225.08 Max: 515.96
Current: 240.72
99.93
515.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.79
FUBC's Dividend Yield is ranked lower than
92% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. FUBC: 0.79 )
Ranked among companies with meaningful Dividend Yield only.
FUBC' s 10-Year Dividend Yield Range
Min: 0.12  Med: 0.50 Max: 0.74
Current: 0.79
0.12
0.74
Dividend Payout 0.25
FUBC's Dividend Payout is ranked higher than
64% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. FUBC: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
FUBC' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.29 Max: 0.33
Current: 0.25
0.13
0.33
Yield on cost (5-Year) 0.79
FUBC's Yield on cost (5-Year) is ranked lower than
91% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. FUBC: 0.79 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FUBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.12  Med: 0.50 Max: 0.74
Current: 0.79
0.12
0.74
Share Buyback Rate -11.10
FUBC's Share Buyback Rate is ranked lower than
80% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. FUBC: -11.10 )
Ranked among companies with meaningful Share Buyback Rate only.
FUBC' s 10-Year Share Buyback Rate Range
Min: 2.9  Med: -15.90 Max: -73.7
Current: -11.1

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) 5.00
FUBC's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FUBC: 5.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FUBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.5  Med: 10.65 Max: 7402.6
Current: 5
3.5
7402.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
1st United Bancorp is a Florida corporation. It is a financial holding company. The Company's main subsidiary, 1st United Bank, is a Florida-chartered commercial bank, which operates 21 banking centers in Florida, from Central Florida through the Treasure Coast to Southeast Florida, include, including Brevard, Broward, Hillsborough, Indian River, Miami-Dade, Orange, Palm Beach 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. The Company through its lending division, its commercial real estate loan portfolio includes loans secured by office buildings, warehouses, retail stores and other properties, which are primarily located in or near its markets. It originates a mix of fixed rate and adjustable rate residential mortgage loans. The construction loan portfolio includes residential real estate, commercial real estate and homeowners' association projects. Its Land loans portfolio includes exposure to land development, both residential and commercial. The Company originates consumer loans bearing both fixed and prime-based variable interest rates. It originates its loans directly through its banking centers, business bankers and residential lenders. Residential real estate secured loans are originated through its lenders who are licensed to make these loans. The Company maintains a range of deposit products, accounts and services to meet the needs of the residents and businesses in its primary service area. Products include an array of checking account programs for individuals and small businesses, including money market accounts, certificates of deposit, IRA accounts, and sweep investment capabilities. The Company's main competitors include Wells Fargo & Company, Bank of America Corporation, SunTrust Banks Inc., JPMorgan Chase & Co., Citigroup Inc., Regions Financial Corporation, BB&T Corporation, Raymond James Financial, Inc., and Bank United, Inc. 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 company under the Bank Holding Company Act of 1956.
» More Articles for FUBC

Headlines

Articles On GuruFocus.com
lhmeyer note on FUBC Apr 12 2010 

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