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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 0.19
FUNC's Cash to Debt is ranked higher than
52% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. FUNC: 0.19 )
FUNC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.19

Equity to Asset 0.08
FUNC's Equity to Asset is ranked higher than
60% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FUNC: 0.08 )
FUNC' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.12
Current: 0.08

0.04
0.12
Interest Coverage 0.74
FUNC's Interest Coverage is ranked higher than
58% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FUNC: 0.74 )
FUNC' s 10-Year Interest Coverage Range
Min: 0.14   Max: 0.74
Current: 0.74

0.14
0.74
F-Score: 5
Z-Score: 0.13
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 (%) 16.85
FUNC's Operating margin (%) is ranked higher than
57% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. FUNC: 16.85 )
FUNC' s 10-Year Operating margin (%) Range
Min: -46.8   Max: 35.76
Current: 16.85

-46.8
35.76
Net-margin (%) 12.53
FUNC's Net-margin (%) is ranked higher than
58% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. FUNC: 12.53 )
FUNC' s 10-Year Net-margin (%) Range
Min: -26.74   Max: 23.61
Current: 12.53

-26.74
23.61
ROE (%) 6.36
FUNC's ROE (%) is ranked higher than
68% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. FUNC: 6.36 )
FUNC' s 10-Year ROE (%) Range
Min: -11.26   Max: 13.77
Current: 6.36

-11.26
13.77
ROA (%) 0.48
FUNC's ROA (%) is ranked higher than
61% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FUNC: 0.48 )
FUNC' s 10-Year ROA (%) Range
Min: -0.65   Max: 1.24
Current: 0.48

-0.65
1.24
ROC (Joel Greenblatt) (%) 31.50
FUNC's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. FUNC: 31.50 )
FUNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -62.49   Max: 124.18
Current: 31.5

-62.49
124.18
Revenue Growth (%) 6.30
FUNC's Revenue Growth (%) is ranked higher than
88% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FUNC: 6.30 )
FUNC' s 10-Year Revenue Growth (%) Range
Min: -10.5   Max: 9.8
Current: 6.3

-10.5
9.8
» FUNC's 10-Y Financials

Financials


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

» Details

Guru Trades

FUNC Guru Trades in

FUNC Guru Trades in

Q4 2013

FUNC Guru Trades in Q4 2013

Arnold Schneider 54,779 sh (New)
» More
Q1 2014

FUNC Guru Trades in Q1 2014

Arnold Schneider 71,406 sh (+30.35%)
» More
» Details

Insider Trades

Latest Guru Trades with FUNC



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.90
FUNC's P/E(ttm) is ranked higher than
80% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. FUNC: 12.90 )
FUNC' s 10-Year P/E(ttm) Range
Min: 5.66   Max: 41.75
Current: 12.9

5.66
41.75
P/B 0.68
FUNC's P/B is ranked higher than
91% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FUNC: 0.68 )
FUNC' s 10-Year P/B Range
Min: 0.27   Max: 1.92
Current: 0.68

0.27
1.92
P/S 1.05
FUNC's P/S is ranked higher than
95% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FUNC: 1.05 )
FUNC' s 10-Year P/S Range
Min: 0.34   Max: 5.36
Current: 1.05

0.34
5.36
PFCF 4.89
FUNC's PFCF is ranked higher than
88% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. FUNC: 4.89 )
FUNC' s 10-Year PFCF Range
Min: 0.14   Max: 80.33
Current: 4.89

0.14
80.33
EV-to-EBIT 33.40
FUNC's EV-to-EBIT is ranked higher than
62% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. FUNC: 33.40 )
FUNC' s 10-Year EV-to-EBIT Range
Min: 7.3   Max: 409.8
Current: 33.4

7.3
409.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
FUNC's Price/Tangible Book is ranked higher than
89% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. FUNC: 0.80 )
FUNC' s 10-Year Price/Tangible Book Range
Min: 0.36   Max: 2.43
Current: 0.8

0.36
2.43
Price/DCF (Projected) 0.11
FUNC's Price/DCF (Projected) is ranked higher than
99% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FUNC: 0.11 )
FUNC' s 10-Year Price/DCF (Projected) Range
Min: 0.04   Max: 0.97
Current: 0.11

0.04
0.97
Price/Median PS Value 0.84
FUNC's Price/Median PS Value is ranked higher than
91% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. FUNC: 0.84 )
FUNC' s 10-Year Price/Median PS Value Range
Min: 0.28   Max: 4.24
Current: 0.84

0.28
4.24
Price/Graham Number 0.47
FUNC's Price/Graham Number is ranked higher than
94% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. FUNC: 0.47 )
FUNC' s 10-Year Price/Graham Number Range
Min: 0.24   Max: 13.64
Current: 0.47

0.24
13.64
Earnings Yield (Greenblatt) 3.00
FUNC's Earnings Yield (Greenblatt) is ranked higher than
52% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FUNC: 3.00 )
FUNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 13.7
Current: 3

0.2
13.7
Forward Rate of Return (Yacktman) 71.95
FUNC's Forward Rate of Return (Yacktman) is ranked higher than
95% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. FUNC: 71.95 )
FUNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.4   Max: 191.2
Current: 71.95

6.4
191.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First United Corp is a Maryland corporation chartered in 1985. The Company operates as the holding company for First United Bank & Trust. The Bank provides a range of retail and commercial banking services to businesses and individuals. It accepts various deposit products that include checking, savings, and money market accounts; regular and IRA certificates of deposit; Christmas savings accounts, college savings accounts, and health savings accounts; and certificate of deposit account registry service programs to municipalities, businesses, and consumers. The Company's loan portfolio comprises commercial loans primarily secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans; residential mortgage loans, including home equity lines of credit; residential real estate construction loans; indirect and direct auto loans; secured and unsecured lines of credit; and term loans. In addition, it offers trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts that include IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning; insurance products and services; brokerage services; and safe deposit and night depository facilities. The Bank operates 27 banking offices, one call center and 29 Automated Teller Machines 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. 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.
» 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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First United Corporation Announces 2013 Fourth Quarter And Year End Earnings Mar 05 2014
FIRST UNITED CORP/MD/ Files SEC form 8-K, Other Events Feb 26 2014
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Announces 3rd Quarter 2013 Earnings Nov 11 2013
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FIRST UNITED CORP/MD/ Files SEC form 10-Q, Quarterly Report Aug 14 2013
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