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Ticker
FUNC

Price
28.37
Stock movement down
-0.29 (-1.01%)
Company name
First United Corporation
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
184.25M
Ent value
1.86B
Price/Sales
1.88
Price/Book
1.06
Div yield
3.10%
Div growth
34.08%
Growth years
13
FCF payout
28.52%
Trailing P/E
11.42
Forward P/E
6.92
PEG
-
EPS growth
8.32%
1 year return
43.79%
3 year return
15.36%
5 year return
14.52%
10 year return
12.49%
Last updated: 2025-08-27

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iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.88
Dividend yield3.10%
Payout frequencyQuarterly
Maximum yield6.37%
Average yield3.56%
Minimum yield2.11%
Discount to avg yield-14.87%
Upside potential-12.95%
Yield as % of max yield48.70%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield3.10%
Current yield distribution70.32%
Yield at 100% (Min)2.11%
Yield at 90%2.73%
Yield at 80%2.94%
Yield at 50% (Median)3.37%
Yield at 20%4.14%
Yield at 10%4.81%
Yield at 0% (Max)6.37%

Dividend per share

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Dividend per share data
Years of growth13 years
CCC statusDividend Contender
Dividend per share0.88
Payout frequencyQuarterly
Ex-div date18 Jul 2025
EPS (TTM)2.49
EPS (1y forward)4.10
EPS growth (5y)8.32%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
FUNCS&P500
DGR MR10.00%-13.74%
DGR TTM10.00%6.60%
DGR 3 years14.47%5.24%
DGR 5 years34.08%5.40%
DGR 10 years-7.07%
DGR 15 years-0.17%6.12%
Time since last change announced352 days
EPS growth (5y)8.32%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM32.77%28.52%
Average41.74%-
Forward21.46%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E11.42
Price to OCF9.74
Price to FCF9.93
Price to EBITDA26.53
EV to EBITDA268.43

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.88
Price to Book1.06
EV to Sales19.00

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FINANCIALS

Per share

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Per share data
Current share count6.49M
EPS (TTM)2.49
FCF per share (TTM)2.86

Income statement

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Income statement data
Revenue (TTM)98.09M
Gross profit (TTM)61.17M
Operating income (TTM)36.53M
Net income (TTM)16.14M
EPS (TTM)2.49
EPS (1y forward)4.10

Margins

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Margins data
Gross margin (TTM)62.36%
Operating margin (TTM)37.24%
Profit margin (TTM)16.45%

Balance Sheet

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Balance Sheet data
Cash62.39M
Net receivables7.05M
Total current assets161.35M
Goodwill0.00
Intangible assets0.00
Property, plant and equipment31.87M
Total assets1.92B
Accounts payable1.85M
Short/Current long term debt171.13M
Total current liabilities474.35M
Total liabilities1.74B
Shareholder's equity173.98M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)18.92M
Capital expenditures (TTM)369.00K
Free cash flow (TTM)18.55M
Dividends paid (TTM)5.29M

Financial returns

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Financial returns data
Return on Equity9.28%
Return on Assets0.84%
Return on Invested Capital4.68%
Cash Return on Invested Capital5.37%

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STOCK INFORMATION

Stock chart

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Stock price data
Open29.29
Daily high29.41
Daily low28.23
Daily Volume35K
All-time high41.61
1y analyst estimate42.00
Beta0.69
EPS (TTM)2.49
Dividend per share0.88
Ex-div date18 Jul 2025
Next earnings date27 Oct 2025

Downside potential

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Downside potential data
FUNCS&P500
Current price drop from All-time high-31.82%-3.04%
Highest price drop-89.18%-56.47%
Date of highest drop16 Mar 20119 Mar 2009
Avg drop from high-39.30%-11.04%
Avg time to new high74 days12 days
Max time to new high5064 days1805 days

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
FUNC (First United Corporation) company logo
Marketcap
184.25M
Marketcap category
Small-cap
Description
First United Corporation operates as the bank holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals in the United States. It operates through Community Banking and Wealth Management segments. The company offers various deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit; demand deposits; business and personal loans; lines of credit; commercial loans secured by real estate, commercial equipment, vehicles or other assets of the borrower; residential mortgages; real estate construction loans to builders and individuals for single family dwellings; and indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. It also provides brokerage; treasury management, cash sweep, and various checking opportunities; trust services, including personal trust, investment agency accounts, charitable trusts, and estate administration and estate planning, as well as retirement accounts including IRA roll-overs, 401(k) accounts, and defined benefit plans; and safe deposit and night depository facilities, and insurance products. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
Employees
291
Investor relations
-
SEC filings
CEO
Carissa Lynn Rodeheaver
Country
USA
City
Oakland
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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