First United Corporation (FUNC)
Stock Price Chart
Key Info
| Market Cap | 75.66M |
| Revenue (ttm) | 59.32M |
| Net Income (ttm) | 11.73M |
| Shares Out | 6.97M |
| EPS (ttm) | 1.65 |
| PE Ratio | 6.58 |
| Forward PE | n/a |
| Dividend | $0.52 |
| Dividend Yield | 4.79% |
Stock Quote
| Trading Day | Aug 5, 2020 |
| Last Price | $10.86 |
| Previous Close | $10.81 |
| Change ($) | 0.05 |
| Change (%) | 0.46% |
| Day's Open | 10.88 |
| Day's Range | 10.75 - 10.94 |
| Day's Volume | 17,636 |
| 52-Week Range | 10.75 - 24.99 |
More Stats
| Market Cap | 75.66M |
| Enterprise Value | 147.16M |
| Earnings Date (est) | n/a |
| Ex-Dividend Date | Apr 16, 2020 |
| Shares Outstanding | 6.97M |
| Float | 6.62M |
| EPS (basic) | 1.66 |
| EPS (diluted) | 1.65 |
| FCF / Share | 2.10 |
| Dividend | $0.52 |
| Dividend Yield | 4.79% |
| Earnings Yield | 15.19% |
| FCF Yield | 19.59% |
| Payout Ratio | 26.50% |
| Shares Short | 74,210 |
| Short Ratio | 0.86 |
| Short % of Float | 0.83% |
| Beta | 1.02 |
| PE Ratio | 6.58 |
| Forward PE | n/a |
| P/FCF Ratio | 5.10 |
| PS Ratio | 1.28 |
| PB Ratio | 0.65 |
| Revenue | 59.32M |
| Operating Income | 14.71M |
| Net Income | 11.73M |
| Free Cash Flow | 14.82M |
| Net Cash | -71.50M |
| Net Cash / Share | -10.26 |
| Gross Margin | 102.42% |
| Operating Margin | 24.81% |
| Profit Margin | 19.40% |
| FCF Margin | 24.99% |
| ROA | 0.82% |
| ROE | 9.74% |
| ROIC | 1.00% |
Analyst Summary
Analyst Consensus: n/a
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 61.85 | 57.24 | 51.38 | 49.17 | 60.58 | 46.96 | 51.17 | 45.09 | 46.40 | 26.84 |
| Revenue Growth | 8.06% | 11.39% | 4.5% | -18.83% | 28.99% | -8.22% | 13.47% | -2.82% | 72.91% | - |
| Gross Profit | 61.85 | 57.24 | 51.38 | 49.17 | 60.58 | 46.96 | 51.17 | 45.09 | 46.40 | 26.84 |
| Operating Income | 16.47 | 13.43 | 12.21 | 10.06 | 19.46 | 6.87 | 8.70 | 6.16 | 3.84 | -17.69 |
| Net Income | 13.13 | 10.67 | 5.27 | 7.28 | 12.99 | 5.60 | 6.48 | 4.66 | 3.63 | -10.20 |
| Shares Outstanding | 7.10 | 7.08 | 6.93 | 6.26 | 6.25 | 6.22 | 6.21 | 6.19 | 6.18 | 6.16 |
| Earnings Per Share | 1.85 | 1.51 | 0.58 | 0.84 | 1.65 | 0.48 | 0.76 | 0.48 | 0.33 | -1.91 |
| EPS Growth | 22.52% | 160.34% | -30.95% | -49.09% | 243.75% | -36.84% | 58.33% | 45.45% | - | - |
| Dividend Per Share | 0.40 | 0.27 | - | - | - | - | - | - | - | 0.13 |
| Dividend Growth | 48.15% | - | - | - | - | - | - | - | - | - |
| Operating Cash Flow | 16.39 | 18.29 | 12.92 | 11.49 | 22.20 | 3.89 | 18.68 | 15.21 | 63.04 | 142 |
| Capital Expenditures | -3.97 | -9.48 | -5.62 | -3.66 | -1.34 | -0.72 | 0.48 | -0.71 | -0.24 | -3.85 |
| Free Cash Flow | 12.42 | 8.81 | 7.31 | 7.83 | 20.86 | 3.17 | 19.16 | 14.49 | 62.80 | 138 |
| Cash & Equivalents | 49.98 | 23.54 | 83.75 | 63.31 | 52.14 | 35.45 | 43.06 | 83.07 | 65.11 | 299 |
| Total Debt | 153 | 179 | 170 | 168 | 183 | 222 | 226 | 222 | 244 | 282 |
| Net Cash / Debt | -103 | -155 | -86.02 | -104 | -131 | -187 | -183 | -139 | -179 | 17.07 |
| Assets | 1,442 | 1,384 | 1,336 | 1,318 | 1,323 | 1,332 | 1,334 | 1,321 | 1,391 | 1,696 |
| Liabilities | 1,316 | 1,267 | 1,228 | 1,204 | 1,203 | 1,223 | 1,232 | 1,222 | 1,294 | 1,601 |
| Book Value | 126 | 117 | 108 | 114 | 121 | 109 | 102 | 98.91 | 96.66 | 95.64 |
Company Profile
Company Details
| Full Name | First United Corporation |
| Country | United States |
| Employees | 285 |
| CEO | Carissa Lynn Rodeheaver |
Stock Information
| Ticker Symbol | FUNC |
| Stock Exchange | NASDAQ |
| Sector | Financial Services |
| Industry | Banks—Regional |
| Unique Identifier | NASDAQ: FUNC |
Description
First United Corporation operates as the holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals. The company offers various deposit products, including checking accounts, savings and money market accounts, regular and individual retirement accounts (IRA) certificates of deposit, Christmas savings accounts, college savings accounts, and health savings accounts; Certificate of Deposit Account Registry Service program and Insured Cash Sweep program to municipalities, businesses, and consumers; and commercial customers packages, which include treasury management, cash sweep, and various checking opportunities. It also provides loans, such as commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings; residential mortgage loans; home equity lines of credit; residential real estate construction loans; indirect and direct auto loans; and other secured and unsecured lines of credit and term loans. In addition, the company offers various trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts that consist of IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning services; insurance products; brokerage services; and safe deposit, and night depository facilities. It operates 25 banking offices, 1 call center, and 26 automated teller machines in Allegany, Frederick, Garrett, and Washington counties in Maryland; and in Mineral, Berkeley, and Monongalia counties in West Virginia. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.