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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.40
NAS:FUNC's Cash-to-Debt is ranked lower than
79% of the 1656 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. NAS:FUNC: 0.40 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:FUNC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.4 Max: No Debt
Current: 0.4
Equity-to-Asset 0.09
NAS:FUNC's Equity-to-Asset is ranked lower than
60% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:FUNC: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:FUNC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.12
Current: 0.09
0.04
0.12
Interest Coverage 1.26
NAS:FUNC's Interest Coverage is ranked lower than
58% of the 1583 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NAS:FUNC: 1.26 )
Ranked among companies with meaningful Interest Coverage only.
NAS:FUNC' s Interest Coverage Range Over the Past 10 Years
Min: 0.14  Med: 0.52 Max: 2.07
Current: 1.26
0.14
2.07
Beneish M-Score: -2.13
WACC vs ROIC
4.86%
3.21%
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 : 5/10

vs
industry
vs
history
Operating Margin % 19.75
NAS:FUNC's Operating Margin % is ranked lower than
77% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.61 vs. NAS:FUNC: 19.75 )
Ranked among companies with meaningful Operating Margin % only.
NAS:FUNC' s Operating Margin % Range Over the Past 10 Years
Min: -46.8  Med: 15.38 Max: 31.58
Current: 19.75
-46.8
31.58
Net Margin % 14.18
NAS:FUNC's Net Margin % is ranked lower than
76% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.71 vs. NAS:FUNC: 14.18 )
Ranked among companies with meaningful Net Margin % only.
NAS:FUNC' s Net Margin % Range Over the Past 10 Years
Min: -26.74  Med: 11.94 Max: 21.56
Current: 14.18
-26.74
21.56
ROE % 4.84
NAS:FUNC's ROE % is ranked lower than
77% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. NAS:FUNC: 4.84 )
Ranked among companies with meaningful ROE % only.
NAS:FUNC' s ROE % Range Over the Past 10 Years
Min: -14.72  Med: 3.76 Max: 12.7
Current: 4.84
-14.72
12.7
ROA % 0.56
NAS:FUNC's ROA % is ranked lower than
72% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. NAS:FUNC: 0.56 )
Ranked among companies with meaningful ROA % only.
NAS:FUNC' s ROA % Range Over the Past 10 Years
Min: -0.67  Med: 0.46 Max: 0.98
Current: 0.56
-0.67
0.98
3-Year Revenue Growth Rate 0.40
NAS:FUNC's 3-Year Revenue Growth Rate is ranked lower than
70% of the 1397 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. NAS:FUNC: 0.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:FUNC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -10.5  Med: 6 Max: 9.8
Current: 0.4
-10.5
9.8
3-Year EBITDA Growth Rate 3.00
NAS:FUNC's 3-Year EBITDA Growth Rate is ranked lower than
60% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. NAS:FUNC: 3.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:FUNC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -29.6  Med: 4.4 Max: 41
Current: 3
-29.6
41
3-Year EPS without NRI Growth Rate 3.70
NAS:FUNC's 3-Year EPS without NRI Growth Rate is ranked lower than
60% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:FUNC: 3.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:FUNC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -38.9  Med: 6.9 Max: 51.3
Current: 3.7
-38.9
51.3
GuruFocus has detected 3 Warning Signs with First United Corp $NAS:FUNC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:FUNC's 30-Y Financials

Financials (Next Earnings Date: 2017-08-11 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:OTCPK:EFSI, OTCPK:FDBC, OTCPK:CHBH, OTCPK:CPKF, NAS:SAL, NAS:CBFV, OTCPK:BKGMF, OTCPK:EMYB, OTCPK:CABC, NAS:OVLY, OTCPK:FOFN, NAS:BKSC, OTCPK:OPBK, NAS:MPB, NAS:CFBI, NAS:CBAN, OTCPK:ENBP, OTCPK:MNAT, NAS:FSFG, NAS:HWBK » details
Headquarter Location:USA
First United Corp operates as a bank holding company. It provides retail and commercial banking services to businesses and individuals in its market areas. It also offers safe deposit & night depository facilities, insurance products, and trust services.

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
PE Ratio 17.25
FUNC's PE Ratio is ranked lower than
62% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. FUNC: 17.25 )
Ranked among companies with meaningful PE Ratio only.
FUNC' s PE Ratio Range Over the Past 10 Years
Min: 5.21  Med: 10.14 Max: 42.2
Current: 17.25
5.21
42.2
PE Ratio without NRI 17.07
FUNC's PE Ratio without NRI is ranked lower than
61% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. FUNC: 17.07 )
Ranked among companies with meaningful PE Ratio without NRI only.
FUNC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.21  Med: 10.06 Max: 41.71
Current: 17.07
5.21
41.71
Price-to-Owner-Earnings 53.01
FUNC's Price-to-Owner-Earnings is ranked lower than
94% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.22 vs. FUNC: 53.01 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FUNC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.98  Med: 11.83 Max: 706.92
Current: 53.01
0.98
706.92
PB Ratio 0.99
FUNC's PB Ratio is ranked higher than
62% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FUNC: 0.99 )
Ranked among companies with meaningful PB Ratio only.
FUNC' s PB Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.69 Max: 1.46
Current: 0.99
0.27
1.46
PS Ratio 1.83
FUNC's PS Ratio is ranked higher than
80% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. FUNC: 1.83 )
Ranked among companies with meaningful PS Ratio only.
FUNC' s PS Ratio Range Over the Past 10 Years
Min: 0.34  Med: 1.06 Max: 4.82
Current: 1.83
0.34
4.82
Price-to-Free-Cash-Flow 30.63
FUNC's Price-to-Free-Cash-Flow is ranked lower than
91% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.52 vs. FUNC: 30.63 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FUNC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.14  Med: 3.6 Max: 81.59
Current: 30.63
0.14
81.59
Price-to-Operating-Cash-Flow 12.17
FUNC's Price-to-Operating-Cash-Flow is ranked lower than
59% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.47 vs. FUNC: 12.17 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FUNC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.13  Med: 3.21 Max: 35.68
Current: 12.17
0.13
35.68
EV-to-EBIT 20.32
FUNC's EV-to-EBIT is ranked lower than
73% of the 1267 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. FUNC: 20.32 )
Ranked among companies with meaningful EV-to-EBIT only.
FUNC' s EV-to-EBIT Range Over the Past 10 Years
Min: -324  Med: 21.4 Max: 409.8
Current: 20.32
-324
409.8
EV-to-EBITDA 17.41
FUNC's EV-to-EBITDA is ranked lower than
71% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.09 vs. FUNC: 17.41 )
Ranked among companies with meaningful EV-to-EBITDA only.
FUNC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -194.5  Med: 18.5 Max: 129.4
Current: 17.41
-194.5
129.4
PEG Ratio 0.83
FUNC's PEG Ratio is ranked higher than
70% of the 852 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. FUNC: 0.83 )
Ranked among companies with meaningful PEG Ratio only.
FUNC' s PEG Ratio Range Over the Past 10 Years
Min: 0.44  Med: 1.81 Max: 40.38
Current: 0.83
0.44
40.38
Shiller PE Ratio 36.05
FUNC's Shiller PE Ratio is ranked lower than
85% of the 509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.59 vs. FUNC: 36.05 )
Ranked among companies with meaningful Shiller PE Ratio only.
FUNC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.64  Med: 10.2 Max: 37.14
Current: 36.05
2.64
37.14

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.10
FUNC's 3-Year Average Share Buyback Ratio is ranked higher than
75% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FUNC: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FUNC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.7  Med: -0.1 Max: 1.9
Current: -0.1
-6.7
1.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.13
FUNC's Price-to-Tangible-Book is ranked higher than
58% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. FUNC: 1.13 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FUNC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.36  Med: 1.46 Max: 2.94
Current: 1.13
0.36
2.94
Price-to-Intrinsic-Value-Projected-FCF 0.34
FUNC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
85% of the 914 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. FUNC: 0.34 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FUNC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.62 Max: 1.22
Current: 0.34
0.04
1.22
Price-to-Median-PS-Value 1.72
FUNC's Price-to-Median-PS-Value is ranked lower than
87% of the 1559 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FUNC: 1.72 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FUNC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.33  Med: 2.31 Max: 4.99
Current: 1.72
0.33
4.99
Price-to-Peter-Lynch-Fair-Value 0.68
FUNC's Price-to-Peter-Lynch-Fair-Value is ranked higher than
76% of the 463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FUNC: 0.68 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FUNC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.62  Med: 1.3 Max: 2.84
Current: 0.68
0.62
2.84
Price-to-Graham-Number 0.92
FUNC's Price-to-Graham-Number is ranked higher than
51% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FUNC: 0.92 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FUNC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.4  Med: 0.89 Max: 1.74
Current: 0.92
0.4
1.74
Earnings Yield (Greenblatt) % 4.92
FUNC's Earnings Yield (Greenblatt) % is ranked lower than
55% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. FUNC: 4.92 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FUNC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -206  Med: 3.25 Max: 164.8
Current: 4.92
-206
164.8
Forward Rate of Return (Yacktman) % 46.66
FUNC's Forward Rate of Return (Yacktman) % is ranked higher than
91% of the 952 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.26 vs. FUNC: 46.66 )
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: 3.6  Med: 67.35 Max: 240.5
Current: 46.66
3.6
240.5

More Statistics

Revenue (TTM) (Mil) $52.11
EPS (TTM) $ 0.87
Beta0.89
Short Percentage of Float0.23%
52-Week Range $9.51 - 16.95
Shares Outstanding (Mil)7.05
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First United Corp. :FUNC-US: Earnings Analysis: Q1, 2017 By the Numbers : May 12, 2017 May 12 2017
First United Corporation Announces First Quarter 2017 Earnings May 09 2017
First United Corporation Announces Successful Completion Of Rights Offering Mar 20 2017
First United Corp. :FUNC-US: Earnings Analysis: Q4, 2016 By the Numbers : March 14, 2017 Mar 14 2017
First United Corporation Announces 2016 Fourth Quarter and Year End Earnings Mar 08 2017
ETFs with exposure to First United Corp. : January 12, 2017 Jan 12 2017
ETFs with exposure to First United Corp. : November 16, 2016 Nov 16 2016
First United Corp. :FUNC-US: Earnings Analysis: Q3, 2016 By the Numbers : November 9, 2016 Nov 09 2016
First United Corporation Announces Rights Offering Nov 07 2016
First United Corporation Announces 3rd Quarter 2016 Earnings Nov 07 2016
ETF’s with exposure to First United Corp. : October 10, 2016 Oct 10 2016
First United Corp. :FUNC-US: Earnings Analysis: Q2, 2016 By the Numbers : August 19, 2016 Aug 19 2016
First United Corporation Announces 2nd Quarter 2016 Earnings Aug 11 2016
First United Corp. :FUNC-US: Earnings Analysis: Q1, 2016 By the Numbers : June 1, 2016 Jun 01 2016
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