Financhill
Sell
38

FUNC Quote, Financials, Valuation and Earnings

Last price:
$28.86
Seasonality move :
3.92%
Day range:
$28.68 - $29.72
52-week range:
$19.17 - $42.50
Dividend yield:
2.94%
P/E ratio:
8.41x
P/S ratio:
2.32x
P/B ratio:
1.03x
Volume:
38.9K
Avg. volume:
17.8K
1-year change:
47.7%
Market cap:
$189.7M
Revenue:
$79.8M
EPS (TTM):
$3.48

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Upside
    No price target exists because of limited analyst coverage.
  • Price Target Downside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, First United has 43.44% upside to fair value with a price target of $42.00 per share.

FUNC vs. S&P 500

  • Over the past 5 trading days, First United has overperformed the S&P 500 by 1.68% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • First United does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • First United has grown year-over-year revenues for 4 quarters straight. In the most recent quarter First United reported revenues of $20.9M.

Earnings Growth

  • First United has grown year-over-year earnings for 4 quarters straight. In the most recent quarter First United reported earnings per share of $0.89.
Enterprise value:
159.3M
EV / Invested capital:
0.52x
Price / LTM sales:
2.32x
EV / EBIT:
2.57x
EV / Revenue:
1.94x
PEG ratio (5yr expected):
0.14x
EV / Free cash flow:
6.86x
Price / Operating cash flow:
8.20x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.18%
Net Income Margin (TTM):
27.64%
Return On Equity:
13.08%
Return On Invested Capital:
7.41%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $76.8M $71.1M $82M $18.7M $20.9M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $3.55 $2.15 $3.48 $0.56 $0.89
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $397M $219.7M $281.8M $182.5M $151.3M
Total Assets $1.8B $1.8B $1.9B $1.9B $2B
Current Liabilities $52.5M $59.9M $53.4M $80.8M $22.5M
Total Liabilities $1.7B $1.6B $1.8B $1.7B $1.8B
Total Equity $129.2M $137.1M $152.9M $165.5M $183.7M
Total Debt $100.9M $30.9M $110.9M $110.9M $120.9M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $27M $22.5M $25.7M $3.6M $7M
Cash From Investing -$100.1M -$44.6M -$69.9M $28.3M -$3.2M
Cash From Financing $152.9M -$46.9M $41.8M $5.3M $2.3M
Free Cash Flow $23.4M $22.2M $23.2M $3.5M $6.4M
FUNC
Sector
Market Cap
$189.7M
$620M
Price % of 52-Week High
68.89%
86.64%
Dividend Yield
2.94%
2.06%
Shareholder Yield
3.69%
4.11%
1-Year Price Total Return
49.69%
11.29%
Beta (5-Year)
0.610
0.594
Dividend yield:
2.94%
Annualized payout:
$0.82
Payout ratio:
24.12%
Growth streak:
6 years

Technicals

8-day SMA
Buy
Level $28.69
200-day SMA
Sell
Level $31.98
Bollinger Bands (100)
Sell
Level 0 - 0
Chaikin Money Flow
Sell
Level --
20-day SMA
Sell
Level $29.35
Relative Strength Index (RSI14)
Sell
Level 43.72
ADX Line
Neutral
Level 0
Williams %R
Neutral
Level -65.9574
50-day SMA
Sell
Level $29.86
MACD (12, 26)
Sell
Level -0.41
25-day Aroon Oscillator
Sell
Level -88
On Balance Volume
Neutral
Level --

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.3972)
Sell
CA Score (Annual)
Level (-2.2039)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
Sell
Ohlson Score
Level (2.6309)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (9)

Revenue Forecast

Earnings per Share Forecast

Company Profile

First United Corp is active in the financial services domain. The scope of its offering includes checking, savings, money market deposit accounts and certificates of deposit, business loans, personal loans, mortgage loans and lines of credit extended to both individuals and businesses. The bank also provides residential real estate construction loans to builders and individuals for single-family dwellings. The company’s reportable operating segments include community banking and wealth management. The company generates the majority of its revenue from the Community Banking segment, which is engaged in delivering financial products and services, including various loan and deposit products, to consumer, business, and not-for-profit customers.

Stock Forecast FAQ

In the current month, FUNC has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The FUNC average analyst price target in the past 3 months is $42.00.

  • Where Will First United Stock Be In 1 Year?

    According to analysts, the consensus estimate is that First United share price will rise to $42.00 per share over the next 12 months.

  • What Do Analysts Say About First United?

    Analysts are divided on their view about First United share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that First United is a Sell and believe this share price will drop from its current level to $42.00.

  • What Is First United's Price Target?

    The price target for First United over the next 1-year time period is forecast to be $42.00 according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is FUNC A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for First United is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of FUNC?

    You can purchase shares of First United via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase First United shares.

  • What Is The First United Share Price Today?

    First United was last trading at $28.86 per share. This represents the most recent stock quote for First United. Yesterday, First United closed at $28.89 per share.

  • How To Buy First United Stock Online?

    In order to purchase First United stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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