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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 0.21
FUNC's Cash to Debt is ranked lower than
82% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. FUNC: 0.21 )
Ranked among companies with meaningful Cash to Debt only.
FUNC' s 10-Year Cash to Debt Range
Min: 0.06  Med: 0.31 Max: No Debt
Current: 0.21
Equity to Asset 0.08
FUNC's Equity to Asset is ranked lower than
69% of the 1323 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 10-Year Equity to Asset Range
Min: 0.04  Med: 0.08 Max: 0.12
Current: 0.08
0.04
0.12
Interest Coverage 0.63
FUNC's Interest Coverage is ranked lower than
76% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. FUNC: 0.63 )
Ranked among companies with meaningful Interest Coverage only.
FUNC' s 10-Year Interest Coverage Range
Min: 0.14  Med: 0.50 Max: 0.74
Current: 0.63
0.14
0.74
F-Score: 4
WACC vs ROIC
3.55%
1.96%
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 (%) 13.94
FUNC's Operating margin (%) is ranked lower than
82% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. FUNC: 13.94 )
Ranked among companies with meaningful Operating margin (%) only.
FUNC' s 10-Year Operating margin (%) Range
Min: -46.8  Med: 32.13 Max: 35.76
Current: 13.94
-46.8
35.76
Net-margin (%) 11.29
FUNC's Net-margin (%) is ranked lower than
80% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. FUNC: 11.29 )
Ranked among companies with meaningful Net-margin (%) only.
FUNC' s 10-Year Net-margin (%) Range
Min: -26.74  Med: 21.64 Max: 23.61
Current: 11.29
-26.74
23.61
ROE (%) 2.51
FUNC's ROE (%) is ranked lower than
85% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. FUNC: 2.51 )
Ranked among companies with meaningful ROE (%) only.
FUNC' s 10-Year ROE (%) Range
Min: -14.72  Med: 11.63 Max: 13.72
Current: 2.51
-14.72
13.72
ROA (%) 0.42
FUNC's ROA (%) is ranked lower than
74% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FUNC: 0.42 )
Ranked among companies with meaningful ROA (%) only.
FUNC' s 10-Year ROA (%) Range
Min: -0.67  Med: 0.95 Max: 1.29
Current: 0.42
-0.67
1.29
ROC (Joel Greenblatt) (%) 25.78
FUNC's ROC (Joel Greenblatt) (%) is ranked lower than
78% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. FUNC: 25.78 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FUNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -56.33  Med: 23.89 Max: 208.6
Current: 25.78
-56.33
208.6
Revenue Growth (3Y)(%) -3.90
FUNC's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. FUNC: -3.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FUNC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -10.5  Med: 6.50 Max: 9.8
Current: -3.9
-10.5
9.8
EBITDA Growth (3Y)(%) 16.00
FUNC's EBITDA Growth (3Y)(%) is ranked higher than
72% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FUNC: 16.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FUNC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -29.5  Med: 7.60 Max: 16
Current: 16
-29.5
16
EPS Growth (3Y)(%) 13.30
FUNC's EPS Growth (3Y)(%) is ranked higher than
59% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. FUNC: 13.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FUNC' s 10-Year EPS Growth (3Y)(%) Range
Min: -38.9  Med: 8.00 Max: 18.5
Current: 13.3
-38.9
18.5
» FUNC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

FUNC Guru Trades in Q4 2014

Arnold Schneider 64,819 sh (-8.71%)
» More
Q1 2015

FUNC Guru Trades in Q1 2015

Arnold Schneider 52,859 sh (-18.45%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.19
FUNC's P/E(ttm) is ranked lower than
74% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FUNC: 19.19 )
Ranked among companies with meaningful P/E(ttm) only.
FUNC' s 10-Year P/E(ttm) Range
Min: 5.66  Med: 10.85 Max: 41.75
Current: 19.19
5.66
41.75
Forward P/E 5.23
FUNC's Forward P/E is ranked higher than
95% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. FUNC: 5.23 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.60
FUNC's PE(NRI) is ranked lower than
73% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FUNC: 18.60 )
Ranked among companies with meaningful PE(NRI) only.
FUNC' s 10-Year PE(NRI) Range
Min: 5.66  Med: 10.87 Max: 42
Current: 18.6
5.66
42
P/B 0.63
FUNC's P/B is ranked higher than
82% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FUNC: 0.63 )
Ranked among companies with meaningful P/B only.
FUNC' s 10-Year P/B Range
Min: 0.27  Med: 0.74 Max: 1.52
Current: 0.63
0.27
1.52
P/S 1.06
FUNC's P/S is ranked higher than
91% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. FUNC: 1.06 )
Ranked among companies with meaningful P/S only.
FUNC' s 10-Year P/S Range
Min: 0.34  Med: 1.08 Max: 5.36
Current: 1.06
0.34
5.36
PFCF 5.31
FUNC's PFCF is ranked higher than
70% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. FUNC: 5.31 )
Ranked among companies with meaningful PFCF only.
FUNC' s 10-Year PFCF Range
Min: 0.14  Med: 3.56 Max: 158.85
Current: 5.31
0.14
158.85
POCF 5.02
FUNC's POCF is ranked higher than
70% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. FUNC: 5.02 )
Ranked among companies with meaningful POCF only.
FUNC' s 10-Year POCF Range
Min: 0.13  Med: 3.52 Max: 36.94
Current: 5.02
0.13
36.94
EV-to-EBIT 36.04
FUNC's EV-to-EBIT is ranked lower than
87% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. FUNC: 36.04 )
Ranked among companies with meaningful EV-to-EBIT only.
FUNC' s 10-Year EV-to-EBIT Range
Min: -324  Med: 27.70 Max: 409.8
Current: 36.04
-324
409.8
Days Sales Outstanding 137.80
FUNC's Days Sales Outstanding is ranked lower than
82% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. FUNC: 137.80 )
Ranked among companies with meaningful Days Sales Outstanding only.
FUNC' s 10-Year Days Sales Outstanding Range
Min: 93.62  Med: 167.97 Max: 444.42
Current: 137.8
93.62
444.42

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.74
FUNC's Price/Tangible Book is ranked higher than
78% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FUNC: 0.74 )
Ranked among companies with meaningful Price/Tangible Book only.
FUNC' s 10-Year Price/Tangible Book Range
Min: 0.36  Med: 1.45 Max: 2.24
Current: 0.74
0.36
2.24
Price/Projected FCF 0.10
FUNC's Price/Projected FCF is ranked higher than
98% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FUNC: 0.10 )
Ranked among companies with meaningful Price/Projected FCF only.
FUNC' s 10-Year Price/Projected FCF Range
Min: 0.04  Med: 0.59 Max: 1.23
Current: 0.1
0.04
1.23
Price/Median PS Value 0.98
FUNC's Price/Median PS Value is ranked higher than
70% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FUNC: 0.98 )
Ranked among companies with meaningful Price/Median PS Value only.
FUNC' s 10-Year Price/Median PS Value Range
Min: 0.33  Med: 2.22 Max: 4.87
Current: 0.98
0.33
4.87
Price/Peter Lynch Fair Value 2.14
FUNC's Price/Peter Lynch Fair Value is ranked lower than
630% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. FUNC: 2.14 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FUNC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.71  Med: 1.35 Max: 2.86
Current: 2.14
0.71
2.86
Price/Graham Number 0.47
FUNC's Price/Graham Number is ranked higher than
86% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FUNC: 0.47 )
Ranked among companies with meaningful Price/Graham Number only.
FUNC' s 10-Year Price/Graham Number Range
Min: 0.24  Med: 0.84 Max: 13.64
Current: 0.47
0.24
13.64
Earnings Yield (Greenblatt) (%) 2.80
FUNC's Earnings Yield (Greenblatt) (%) is ranked lower than
79% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FUNC: 2.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FUNC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 3.30 Max: 165.1
Current: 2.8
0.2
165.1
Forward Rate of Return (Yacktman) (%) 42.28
FUNC's Forward Rate of Return (Yacktman) (%) is ranked higher than
87% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. FUNC: 42.28 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FUNC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.5  Med: 37.30 Max: 239
Current: 42.28
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
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