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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 0.22
FUNC's Cash to Debt is ranked higher than
57% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FUNC: 0.22 )
FUNC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.22

Equity to Asset 0.08
FUNC's Equity to Asset is ranked higher than
60% of the 2010 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
59% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FUNC: 0.74 )
FUNC' s 10-Year Interest Coverage Range
Min: 0.14   Max: 0.81
Current: 0.74

0.14
0.81
F-Score: 4
Z-Score: 0.19
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 : 8/10

vs
industry
vs
history
Operating margin (%) 12.48
FUNC's Operating margin (%) is ranked higher than
55% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. FUNC: 12.48 )
FUNC' s 10-Year Operating margin (%) Range
Min: -46.8   Max: 35.94
Current: 12.48

-46.8
35.94
Net-margin (%) 9.74
FUNC's Net-margin (%) is ranked higher than
55% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. FUNC: 9.74 )
FUNC' s 10-Year Net-margin (%) Range
Min: -26.74   Max: 24.22
Current: 9.74

-26.74
24.22
ROE (%) 4.49
FUNC's ROE (%) is ranked higher than
60% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. FUNC: 4.49 )
FUNC' s 10-Year ROE (%) Range
Min: -13.07   Max: 13.72
Current: 4.49

-13.07
13.72
ROA (%) 0.36
FUNC's ROA (%) is ranked higher than
58% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FUNC: 0.36 )
FUNC' s 10-Year ROA (%) Range
Min: -0.67   Max: 1.29
Current: 0.36

-0.67
1.29
ROC (Joel Greenblatt) (%) 22.90
FUNC's ROC (Joel Greenblatt) (%) is ranked higher than
57% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. FUNC: 22.90 )
FUNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -56.33   Max: 177.08
Current: 22.9

-56.33
177.08
Revenue Growth (%) 6.30
FUNC's Revenue Growth (%) is ranked higher than
88% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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

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
Q2 2014

FUNC Guru Trades in Q2 2014

Arnold Schneider 71,406 sh (unchged)
» More
Q3 2014

FUNC Guru Trades in Q3 2014

Arnold Schneider 71,006 sh (-0.56%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2014-03-31 Add 30.35%0.01%$7.35 - $9 $ 8.689%71406
Arnold Schneider 2013-12-31 New Buy0.04%$7.35 - $8.6 $ 8.689%54779
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 22.70
FUNC's P/E(ttm) is ranked higher than
69% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FUNC: 22.70 )
FUNC' s 10-Year P/E(ttm) Range
Min: 5.66   Max: 41.75
Current: 22.7

5.66
41.75
P/B 0.66
FUNC's P/B is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FUNC: 0.66 )
FUNC' s 10-Year P/B Range
Min: 0.27   Max: 1.92
Current: 0.66

0.27
1.92
P/S 1.10
FUNC's P/S is ranked higher than
97% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FUNC: 1.10 )
FUNC' s 10-Year P/S Range
Min: 0.34   Max: 5.36
Current: 1.1

0.34
5.36
PFCF 9.75
FUNC's PFCF is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FUNC: 9.75 )
FUNC' s 10-Year PFCF Range
Min: 0.14   Max: 158.85
Current: 9.75

0.14
158.85
EV-to-EBIT 43.00
FUNC's EV-to-EBIT is ranked higher than
62% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. FUNC: 43.00 )
FUNC' s 10-Year EV-to-EBIT Range
Min: -324   Max: 409.8
Current: 43

-324
409.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.76
FUNC's Price/Tangible Book is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. FUNC: 0.76 )
FUNC' s 10-Year Price/Tangible Book Range
Min: 0.36   Max: 2.43
Current: 0.76

0.36
2.43
Price/DCF (Projected) 0.11
FUNC's Price/DCF (Projected) is ranked higher than
98% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. FUNC: 0.11 )
FUNC' s 10-Year Price/DCF (Projected) Range
Min: 0.04   Max: 1.23
Current: 0.11

0.04
1.23
Price/Median PS Value 0.98
FUNC's Price/Median PS Value is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FUNC: 0.98 )
FUNC' s 10-Year Price/Median PS Value Range
Min: 0.31   Max: 4.66
Current: 0.98

0.31
4.66
Price/Graham Number 0.52
FUNC's Price/Graham Number is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FUNC: 0.52 )
FUNC' s 10-Year Price/Graham Number Range
Min: 0.24   Max: 13.64
Current: 0.52

0.24
13.64
Earnings Yield (Greenblatt) 2.30
FUNC's Earnings Yield (Greenblatt) is ranked higher than
57% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FUNC: 2.30 )
FUNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 165.1
Current: 2.3

0.2
165.1
Forward Rate of Return (Yacktman) 41.00
FUNC's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FUNC: 41.00 )
FUNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.5   Max: 239
Current: 41

4.5
239

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» 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 

More From Other Websites
FIRST UNITED CORP/MD/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 25 2014
FIRST UNITED CORP/MD/ Financials Nov 18 2014
FIRST UNITED CORP/MD/ Files SEC form 8-K, Results of Operations and Financial Condition, Other... Nov 14 2014
FIRST UNITED CORP/MD/ Files SEC form 10-Q, Quarterly Report Nov 10 2014
First United Corporation Announces 3rd Quarter 2014 Earnings Nov 10 2014
FIRST UNITED CORP/MD/ Files SEC form 8-K, Changes in Registrant's Certifying Accountant, Financial... Oct 03 2014
FIRST UNITED CORP/MD/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 13 2014
FIRST UNITED CORP/MD/ Files SEC form 10-Q, Quarterly Report Aug 12 2014
First United Corporation Announces 2nd Quarter 2014 Earnings Aug 11 2014
FIRST UNITED CORP/MD/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 20 2014
Nasdaq stocks posting largest volume decreases May 19 2014
FIRST UNITED CORP/MD/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 15 2014
FIRST UNITED CORP/MD/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 12 2014
First United Corporation Announces 1st Quarter 2014 Earnings May 08 2014
FIRST UNITED CORP/MD/ Files SEC form 8-K, Other Events Apr 24 2014
FIRST UNITED CORP/MD/ Files SEC form 10-K, Annual Report Mar 10 2014
FIRST UNITED CORP/MD/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Mar 07 2014
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
FIRST UNITED CORP/MD/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 13 2013

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