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8.14 (1y: +54%)
Market Cap 51.45 M P/E(ttm) 6.70
Enterprise Value 264.11 M P/B 0.51
FUNC- NAS (USA)
First United Corp
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$8.14
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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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.455
FUNC's Cash to Debt is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. FUNC: 0.455 )
FUNC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.46
Equity to Asset 0.067
FUNC's Equity to Asset is ranked lower than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FUNC: 0.067 )
FUNC' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.09
Current: 0.07
0.03
0.09
Interest Coverage No Debt
FUNC's Interest Coverage is ranked lower than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FUNC: No Debt )
FUNC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.26
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 : 4/10

vs
industry		 vs
history
Operating margin (%) 10.20
FUNC's Operating margin (%) is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. FUNC: 10.20 )
FUNC' s 10-Year Operating margin (%) Range
Min: -46.6   Max: 34.7
Current: 10.2
-46.6
34.7
Net-margin (%) 8.6
FUNC's Net-margin (%) is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. FUNC: 8.6 )
FUNC' s 10-Year Net-margin (%) Range
Min: -26.6   Max: 23.6
Current: 8.6
-26.6
23.6
ROE (%) 4.7
FUNC's ROE (%) is ranked higher than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FUNC: 4.7 )
FUNC' s 10-Year ROE (%) Range
Min: -11.3   Max: 13.8
Current: 4.7
-11.3
13.8
ROA (%) 0.4
FUNC's ROA (%) is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FUNC: 0.4 )
FUNC' s 10-Year ROA (%) Range
Min: -0.6   Max: 1.1
Current: 0.4
-0.6
1.1
Revenue Growth (%) 6.1
FUNC's Revenue Growth (%) is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FUNC: 6.1 )
FUNC' s 10-Year Revenue Growth (%) Range
Min: -8.3   Max: 7.2
Current: 6.1
-8.3
7.2
ยป FUNC's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with FUNC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2010-09-30 Sold Out $3.65 - $5.04 $ 8.1498%0
Arnold Schneider 2010-06-30 New Buy$3.95 - $6.65 $ 8.1446%11209
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 6.70
FUNC'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. FUNC: 6.70 )
FUNC' s 10-Year P/E(ttm) Range
Min: 5.66   Max: 41.75
Current: 6.7
5.66
41.75
P/B 0.51
FUNC's P/B is ranked higher than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FUNC: 0.51 )
FUNC' s 10-Year P/B Range
Min: 0.19   Max: 1.92
Current: 0.51
0.19
1.92
P/S 0.97
FUNC's P/S is ranked higher than
89% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FUNC: 0.97 )
FUNC' s 10-Year P/S Range
Min: 0.35   Max: 3.57
Current: 0.97
0.35
3.57
PFCF 3.11
FUNC's PFCF is ranked higher than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FUNC: 3.11 )
FUNC' s 10-Year PFCF Range
Min: 0.13   Max: 43.46
Current: 3.11
0.13
43.46
EV-to-EBIT 24.7
FUNC's EV-to-EBIT is ranked lower than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. FUNC: 24.7 )
FUNC' s 10-Year EV-to-EBIT Range
Min: 1.9   Max: 466.7
Current: 24.7
1.9
466.7
Shiller P/E 153.8
FUNC's Shiller P/E is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. FUNC: 153.8 )
FUNC' s 10-Year Shiller P/E Range
Min: 3.9   Max: 106.13
Current: 153.8
3.9
106.13

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.6
FUNC's Price/Tangible Book is ranked lower than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FUNC: 0.6 )
FUNC' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 2.2
Current: 0.6
0.2
2.2
Price/DCF (Projected) 0.1
FUNC's Price/DCF (Projected) is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. FUNC: 0.1 )
FUNC' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.9
Current: 0.1
0.1
0.9
Price/Median PS Value 0.5
FUNC's Price/Median PS Value is ranked lower than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FUNC: 0.5 )
FUNC' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 1.5
Current: 0.5
0.2
1.5
Price/Graham Number 0.6
FUNC's Price/Graham Number is ranked lower than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FUNC: 0.6 )
FUNC' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 1.1
Current: 0.6
0.2
1.1
Earnings Yield (Greenblatt) 4.00
FUNC's Earnings Yield (Greenblatt) is ranked lower than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FUNC: 4.00 )
FUNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 53.9
Current: 4
0.2
53.9
Forward Rate of Return (Yacktman) 76.6
FUNC's Forward Rate of Return (Yacktman) is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. FUNC: 76.6 )
FUNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 8.4   Max: 196.4
Current: 76.6
8.4
196.4

Business Description

First United Corp First United Corp is incorporated in the state of Maryland chartered in 1985 and a financial holding company registered under the federal Bank Holding Company Act of 1956. It operates as a financial holding company for the company's subsidiaries, First United Bank & Trust, First United Insurance Group, LLC, OakFirst Loan Center, Inc., and OakFirst Loan Center, LLC. The Bank is an independent community bank providing a complete range of retail and commercial banking services to businesses and individuals in its market areas. Services offered by the bank include checking, savings, and money market deposit accounts, business loans, personal loans, mortgage loans, lines of credit, and consumer-oriented retirement accounts including individual retirement account (IRA) and employee benefit accounts. The Bank operates 28 banking offices, one call center and 31 Automated Teller Machines (ATMs) in Allegany County, Frederick County, Garrett County, and Washington County in Maryland, and in Berkeley County, Mineral County, Hardy County, and Monongalia County in West Virginia. In addition, the bank provides full brokerage services through a networking arrangement with PrimeVest Financial Services, Inc., a full service broker-dealer. The Bank also provides safe deposit and night depository facilities, and a complete line of insurance products and trust services. The Bank's commercial loans are mainly secured by real estate, commercial equipment, vehicles or other assets of the borrower. Commercial real estate loans are mainly those secured by land for residential and commercial development, agricultural purpose properties, service industry buildings such as restaurants and motels, retail buildings and general purpose business space. The Bank also provides residential real estate construction loans to builders and individuals for single family dwellings. The Bank offers a full array of deposit products including checking, savings and money market accounts, regular and IRA certificates of deposit, Christmas Savings accounts, College Savings accounts, and Health Savings accounts. The Bank's Trust Department offers a full range of trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts including IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration and estate planning. Additionally, the Bank offers a full range of insurance products and services to customers in its market areas through the Insurance Group and First United Insurance Agency. The Company competes with commercial banks, (including local banks and branches or affiliates of other larger banks), savings and loan associations and credit unions for loans and deposits, with consumer finance companies for loans, with insurance companies and their agents for insurance products, and with other financial institutions for various types of products and services. The Company registered with the Board
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for FUNC

Headlines

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

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