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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 0.30
FUNC's Cash to Debt is ranked lower than
79% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. FUNC: 0.30 )
Ranked among companies with meaningful Cash to Debt only.
FUNC' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.29 Max: No Debt
Current: 0.3
Equity to Asset 0.08
FUNC's Equity to Asset is ranked lower than
71% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FUNC: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
FUNC' s Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.12
Current: 0.08
0.04
0.12
Interest Coverage 1.87
FUNC's Interest Coverage is ranked higher than
53% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. FUNC: 1.87 )
Ranked among companies with meaningful Interest Coverage only.
FUNC' s Interest Coverage Range Over the Past 10 Years
Min: 0.14  Med: 0.44 Max: 0.74
Current: 1.87
0.14
0.74
F-Score: 6
M-Score: -2.43
WACC vs ROIC
3.64%
4.51%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 28.15
FUNC's Operating margin (%) is ranked lower than
58% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. FUNC: 28.15 )
Ranked among companies with meaningful Operating margin (%) only.
FUNC' s Operating margin (%) Range Over the Past 10 Years
Min: -46.57  Med: 15.35 Max: 34.35
Current: 28.15
-46.57
34.35
Net-margin (%) 19.23
FUNC's Net-margin (%) is ranked lower than
62% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. FUNC: 19.23 )
Ranked among companies with meaningful Net-margin (%) only.
FUNC' s Net-margin (%) Range Over the Past 10 Years
Min: -26.61  Med: 11.91 Max: 22.88
Current: 19.23
-26.61
22.88
ROE (%) 7.59
FUNC's ROE (%) is ranked lower than
56% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. FUNC: 7.59 )
Ranked among companies with meaningful ROE (%) only.
FUNC' s ROE (%) Range Over the Past 10 Years
Min: -14.72  Med: 3.85 Max: 13.62
Current: 7.59
-14.72
13.62
ROA (%) 0.86
FUNC's ROA (%) is ranked lower than
52% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. FUNC: 0.86 )
Ranked among companies with meaningful ROA (%) only.
FUNC' s ROA (%) Range Over the Past 10 Years
Min: -0.67  Med: 0.46 Max: 0.96
Current: 0.86
-0.67
0.96
Revenue Growth (3Y)(%) -3.00
FUNC's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. FUNC: -3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FUNC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.9  Med: 6.65 Max: 9.9
Current: -3
-10.9
9.9
EBITDA Growth (3Y)(%) 15.90
FUNC's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. FUNC: 15.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FUNC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -29.7  Med: 5.95 Max: 15.9
Current: 15.9
-29.7
15.9
EPS Growth (3Y)(%) 13.70
FUNC's EPS Growth (3Y)(%) is ranked higher than
66% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FUNC: 13.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FUNC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.1  Med: 7.90 Max: 18.4
Current: 13.7
-39.1
18.4
» FUNC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-10)


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

» Details

Guru Trades

Q1 2015

FUNC Guru Trades in Q1 2015

Arnold Schneider 52,859 sh (-18.45%)
» More
Q2 2015

FUNC Guru Trades in Q2 2015

Arnold Schneider 52,859 sh (unchged)
» More
Q3 2015

FUNC Guru Trades in Q3 2015

Arnold Schneider 30,119 sh (-43.02%)
» More
Q4 2015

FUNC Guru Trades in Q4 2015

Arnold Schneider Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FUNC

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

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:CABC, OTCBB:PSBQ, NAS:FCVA, NAS:AMRB, NAS:GFED, OTCPK:FOFN » details
First United Corp operates as a financial holding company. The Company provides retail and commercial banking services to businesses and individuals in its market areas. It also offers safe deposit and night depository facilities, and insurance products.

First United Corp is a Maryland corporation chartered in 1985 and a financial holding company. The Company provides complete range of retail and commercial banking services to businesses and individuals in its market areas. Services offered are essentially the same as those offered by the regional institutions includes 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 (IRAs) and employee benefit accounts. In addition, the Company provides full brokerage services through a networking arrangement with Cetera Investment Services, LLC., a full service broker-dealer. The Company also provides safe deposit and night depository facilities, and insurance products and trust services. It operates 25 banking offices, one call center and 28 Automated Teller Machines (ATMs) in Allegany County, Frederick County, Garrett County, and Washington County in Maryland, and in Berkeley County, Mineral County, and Monongalia County in West Virginia. The Compnay's commercial loans are primarily secured by real estate, commercial equipment, vehicles or other assets of the borrower. Its residential mortgage portfolio is distributed between variable and fixed rate loans. The Company also provides residential real estate construction loans to builders and individuals for single family dwellings. The Company competes with commercial banks, savings and loan associations and credit unions for loans and deposits, with consumer finance companies for loans, and with other financial institutions for various types of products and services. The Company is subject to the banking laws of Maryland and to regulation by the Commissioner of Financial Regulation of Maryland.

Ratios

vs
industry
vs
history
P/E(ttm) 7.57
FUNC's P/E(ttm) is ranked higher than
76% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. FUNC: 7.57 )
Ranked among companies with meaningful P/E(ttm) only.
FUNC' s P/E(ttm) Range Over the Past 10 Years
Min: 5.66  Med: 10.47 Max: 41.75
Current: 7.57
5.66
41.75
PE(NRI) 7.57
FUNC's PE(NRI) is ranked higher than
76% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. FUNC: 7.57 )
Ranked among companies with meaningful PE(NRI) only.
FUNC' s PE(NRI) Range Over the Past 10 Years
Min: 5.66  Med: 10.47 Max: 42
Current: 7.57
5.66
42
Price/Owner Earnings (ttm) 4.04
FUNC's Price/Owner Earnings (ttm) is ranked higher than
82% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. FUNC: 4.04 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FUNC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.06  Med: 12.37 Max: 1322.86
Current: 4.04
1.06
1322.86
P/B 0.72
FUNC's P/B is ranked higher than
72% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. FUNC: 0.72 )
Ranked among companies with meaningful P/B only.
FUNC' s P/B Range Over the Past 10 Years
Min: 0.27  Med: 0.71 Max: 1.52
Current: 0.72
0.27
1.52
P/S 1.11
FUNC's P/S is ranked higher than
88% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. FUNC: 1.11 )
Ranked among companies with meaningful P/S only.
FUNC' s P/S Range Over the Past 10 Years
Min: 0.35  Med: 1.07 Max: 5.36
Current: 1.11
0.35
5.36
PFCF 2.91
FUNC's PFCF is ranked higher than
79% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. FUNC: 2.91 )
Ranked among companies with meaningful PFCF only.
FUNC' s PFCF Range Over the Past 10 Years
Min: 0.13  Med: 5.33 Max: 31.92
Current: 2.91
0.13
31.92
POCF 2.69
FUNC's POCF is ranked higher than
78% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. FUNC: 2.69 )
Ranked among companies with meaningful POCF only.
FUNC' s POCF Range Over the Past 10 Years
Min: 0.13  Med: 4.98 Max: 30.86
Current: 2.69
0.13
30.86
EV-to-EBIT 12.54
FUNC's EV-to-EBIT is ranked higher than
51% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. FUNC: 12.54 )
Ranked among companies with meaningful EV-to-EBIT only.
FUNC' s EV-to-EBIT Range Over the Past 10 Years
Min: -324  Med: 23.80 Max: 409.8
Current: 12.54
-324
409.8
EV-to-EBITDA 11.34
FUNC's EV-to-EBITDA is ranked higher than
51% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. FUNC: 11.34 )
Ranked among companies with meaningful EV-to-EBITDA only.
FUNC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -194.5  Med: 21.20 Max: 129.4
Current: 11.34
-194.5
129.4
Shiller P/E 20.48
FUNC's Shiller P/E is ranked lower than
64% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. FUNC: 20.48 )
Ranked among companies with meaningful Shiller P/E only.
FUNC' s Shiller P/E Range Over the Past 10 Years
Min: 2.64  Med: 9.87 Max: 22.02
Current: 20.48
2.64
22.02

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.81
FUNC's Price/Tangible Book is ranked higher than
68% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FUNC: 0.81 )
Ranked among companies with meaningful Price/Tangible Book only.
FUNC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.36  Med: 1.38 Max: 2.24
Current: 0.81
0.36
2.24
Price/Projected FCF 0.13
FUNC's Price/Projected FCF is ranked higher than
96% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FUNC: 0.13 )
Ranked among companies with meaningful Price/Projected FCF only.
FUNC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.63 Max: 1.22
Current: 0.13
0.04
1.22
Price/Median PS Value 1.03
FUNC's Price/Median PS Value is ranked lower than
59% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FUNC: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
FUNC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 2.08 Max: 4.92
Current: 1.03
0.34
4.92
Price/Graham Number 0.52
FUNC's Price/Graham Number is ranked higher than
75% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. FUNC: 0.52 )
Ranked among companies with meaningful Price/Graham Number only.
FUNC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.4  Med: 0.84 Max: 1.38
Current: 0.52
0.4
1.38
Earnings Yield (Greenblatt) (%) 7.95
FUNC's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. FUNC: 7.95 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FUNC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 3.30 Max: 167.5
Current: 7.95
0.2
167.5
Forward Rate of Return (Yacktman) (%) 17.55
FUNC's Forward Rate of Return (Yacktman) (%) is ranked higher than
62% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. FUNC: 17.55 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FUNC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -0.8  Med: 45.60 Max: 239
Current: 17.55
-0.8
239

More Statistics

Revenue (TTM) (Mil) $59.19
EPS (TTM) $ 1.38
Beta0.18
Short Percentage of Float0.06%
52-Week Range $7.91 - 11.89
Shares Outstanding (Mil)6.25
» More Articles for FUNC

Headlines

Articles On GuruFocus.com
Winning Stocks Jan 20 2016 
First United Corp. Reports Operating Results (10-Q) Nov 04 2010 
First United Corp. Reports Operating Results (10-Q) Aug 06 2010 

More From Other Websites
FIRST UNITED CORP/MD/ Financials May 19 2016
FIRST UNITED CORP/MD/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 16 2016
FIRST UNITED CORP/MD/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 12 2016
FIRST UNITED CORP/MD/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 10 2016
FIRST UNITED CORP/MD/ Files SEC form 10-Q, Quarterly Report May 10 2016
First United Corporation Announces First Quarter 2016 Earnings May 09 2016
FIRST UNITED CORP/MD/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Mar 10 2016
FIRST UNITED CORP/MD/ Files SEC form 10-K, Annual Report Mar 09 2016
First United Corporation Announces 2015 Fourth Quarter And Year End Earnings Mar 09 2016
FIRST UNITED CORP/MD/ Files SEC form 8-K, Other Events Jan 15 2016
FIRST UNITED CORP/MD/ Files SEC form 8-K, Change in Directors or Principal Officers Dec 16 2015
Equities Driven By Market Influences - Research on Capricor Therapeutics, Ballantyne Strong, Anchor... Dec 03 2015
FIRST UNITED CORP/MD/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 12 2015
FIRST UNITED CORP/MD/ Files SEC form 10-Q, Quarterly Report Nov 10 2015
First United Corporation Announces 3rd Quarter 2015 Earnings Nov 10 2015
FIRST UNITED CORP/MD/ Files SEC form 8-K, Other Events Nov 02 2015
First United Corp. Earnings Q2, 2015 Sep 11 2015
FIRST UNITED CORP/MD/ Files SEC form 8-K, Change in Directors or Principal Officers Aug 27 2015
FIRST UNITED CORP/MD/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 13 2015
ACNB Corp. Earnings Q2*, 2015 Aug 13 2015

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