FUNC
ACHAT TOTAL: 277,2 titres (~12 634,06 $ US) VENTE TOTALE: 1 000 titres (~44 580,00 $ US)
- Insiders
- Rodeheaver Carissa Lynn, Rush Jason Barry, Boal Brian R., RUDY IRVIN ROBERT
- Total bought
- $12,634
- Total sold
- $44,580
- Last activity
- 2026-08-03
- Last synced
-
2026-08-09 12:58:10
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-08-07
FUNC shows a genuine earnings catalyst (Q2 beat + Zacks upgrade) and improving operational margins, but these positives are structurally undermined by a critically low current ratio of 0.09 and interest coverage near…
The first sentence of the analysis written for FUNC on 2026-08-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 70.2% | 68.8% | 73.0% | 94.8% | 93.8% | |
| Ebit Margin | 27.3% | 24.4% | 20.4% | 41.2% | 33.5% | |
| Ebitda Margin | 29.9% | 27.7% | 25.5% | 45.8% | 37.8% | |
| Operating Profit Margin | 27.3% | 24.4% | 20.4% | 41.2% | 33.5% | |
| Pretax Profit Margin | 27.3% | 24.4% | 20.4% | 41.2% | 33.5% | |
| Continuous Operations Profit Margin | 20.6% | 18.4% | 15.8% | 31.1% | 25.1% | |
| Net Profit Margin | 20.6% | 18.4% | 15.8% | 31.1% | 25.1% | |
| Bottom Line Profit Margin | 20.6% | 18.4% | 15.8% | 31.1% | 25.1% | |
| Current Ratio | 0.091 | 0.096 | 0.097 | 0.126 | 0.270 | |
| Quick Ratio | 0.091 | 0.096 | 0.097 | 0.126 | 0.270 | |
| Solvency Ratio | 0.015 | 0.014 | 0.011 | 0.017 | 0.015 | |
| Cash Ratio | 0.075 | 0.048 | 0.031 | 0.045 | 0.075 | |
| Price To Earnings Ratio | 9.905 | 10.702 | 10.449 | 5.212 | 6.359 | |
| Price To Earnings Growth Ratio | 0.495 | 0.268 | -0.259 | 0.188 | 0.143 | |
| Forward Price To Earnings Growth Ratio | 0.495 | 0.268 | -0.259 | 0.188 | 0.143 | |
| Price To Earnings Diluted Ratio | 9.931 | 10.702 | 10.449 | 5.226 | 6.381 | |
| Price To Earnings Diluted Growth Ratio | 0.505 | 0.268 | -0.260 | 0.187 | 0.145 | |
| Price To Book Ratio | 1.193 | 1.227 | 0.971 | 0.861 | 0.887 | |
| Price To Sales Ratio | 2.039 | 1.968 | 1.644 | 1.624 | 1.601 | |
| Price To Free Cash Flow Ratio | 15.773 | 10.808 | 7.107 | 5.690 | 6.662 | |
| Price To Operating Cash Flow Ratio | 12.542 | 9.875 | 6.995 | 4.923 | 6.287 | |
| Debt To Assets Ratio | 0.055 | 0.095 | 0.083 | 0.053 | 0.053 | |
| Debt To Equity Ratio | 0.564 | 1.047 | 0.975 | 0.645 | 0.644 | |
| Debt To Capital Ratio | 0.360 | 0.511 | 0.494 | 0.392 | 0.392 | |
| Long Term Debt To Capital Ratio | 0.320 | 0.403 | 0.407 | 0.169 | 0.179 | |
| Financial Leverage Ratio | 10.251 | 11.004 | 11.774 | 12.176 | 12.191 | |
| Working Capital Turnover Ratio | -0.077 | -0.076 | -0.067 | -0.063 | -0.071 | |
| Operating Cash Flow Ratio | 0.011 | 0.014 | 0.014 | 0.016 | 0.013 | |
| Operating Cash Flow Sales Ratio | 0.163 | 0.199 | 0.235 | 0.330 | 0.255 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.795 | 0.914 | 0.984 | 0.865 | 0.944 | |
| Debt Service Coverage Ratio | 0.547 | 0.250 | 0.287 | 0.414 | 0.366 | |
| Interest Coverage Ratio | 0.994 | 0.851 | 0.802 | 6.929 | 4.604 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.097 | 0.341 | 0.495 | 0.411 | 0.347 | |
| Operating Cash Flow Coverage Ratio | 0.169 | 0.119 | 0.142 | 0.271 | 0.219 | |
| Capital Expenditure Coverage Ratio | 4.881 | 11.587 | 63.654 | 7.423 | 17.765 | |
| Dividend Paid And Capex Coverage Ratio | 1.950 | 3.054 | 4.034 | 3.510 | 3.990 | |
| Dividend Payout Ratio | 0.243 | 0.261 | 0.346 | 0.159 | 0.197 | |
| Enterprise Value Multiple | 6.353 | 10.618 | 10.878 | 4.188 | 3.415 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 70.2% | ▲1.5% | ▼-9.9% |
| Ebit Margin | 27.3% | ▲2.9% | ▼-2.1% |
| Ebitda Margin | 29.9% | ▲2.1% | ▼-3.5% |
| Operating Profit Margin | 27.3% | ▲2.9% | ▼-2.1% |
| Pretax Profit Margin | 27.3% | ▲2.9% | ▼-2.1% |
| Continuous Operations Profit Margin | 20.6% | ▲2.2% | ▼-1.6% |
| Net Profit Margin | 20.6% | ▲2.2% | ▼-1.6% |
| Bottom Line Profit Margin | 20.6% | ▲2.2% | ▼-1.6% |
| Current Ratio | 0.091 | ▼-0.005 | ▼-0.045 |
| Quick Ratio | 0.091 | ▼-0.005 | ▼-0.045 |
| Solvency Ratio | 0.015 | ▲0.001 | ▲0.000 |
| Cash Ratio | 0.075 | ▲0.027 | ▲0.020 |
| Price To Earnings Ratio | 9.905 | ▼-0.797 | ▲1.379 |
| Price To Earnings Growth Ratio | 0.495 | ▲0.228 | ▲0.329 |
| Forward Price To Earnings Growth Ratio | 0.495 | ▲0.228 | ▲0.329 |
| Price To Earnings Diluted Ratio | 9.931 | ▼-0.771 | ▲1.393 |
| Price To Earnings Diluted Growth Ratio | 0.505 | ▲0.237 | ▲0.336 |
| Price To Book Ratio | 1.193 | ▼-0.034 | ▲0.165 |
| Price To Sales Ratio | 2.039 | ▲0.071 | ▲0.264 |
| Price To Free Cash Flow Ratio | 15.773 | ▲4.965 | ▲6.565 |
| Price To Operating Cash Flow Ratio | 12.542 | ▲2.667 | ▲4.417 |
| Debt To Assets Ratio | 0.055 | ▼-0.040 | ▼-0.013 |
| Debt To Equity Ratio | 0.564 | ▼-0.483 | ▼-0.211 |
| Debt To Capital Ratio | 0.360 | ▼-0.151 | ▼-0.069 |
| Long Term Debt To Capital Ratio | 0.320 | ▼-0.083 | ▲0.025 |
| Financial Leverage Ratio | 10.251 | ▼-0.753 | ▼-1.228 |
| Working Capital Turnover Ratio | -0.077 | ▼-0.001 | ▼-0.007 |
| Operating Cash Flow Ratio | 0.011 | ▼-0.003 | ▼-0.003 |
| Operating Cash Flow Sales Ratio | 0.163 | ▼-0.037 | ▼-0.074 |
| Free Cash Flow Operating Cash Flow Ratio | 0.795 | ▼-0.119 | ▼-0.105 |
| Debt Service Coverage Ratio | 0.547 | ▲0.297 | ▲0.174 |
| Interest Coverage Ratio | 0.994 | ▲0.143 | ▼-1.842 |
| Short Term Operating Cash Flow Coverage Ratio | 1.097 | ▲0.756 | ▲0.559 |
| Operating Cash Flow Coverage Ratio | 0.169 | ▲0.050 | ▼-0.015 |
| Capital Expenditure Coverage Ratio | 4.881 | ▼-6.705 | ▼-16.181 |
| Dividend Paid And Capex Coverage Ratio | 1.950 | ▼-1.104 | ▼-1.358 |
| Dividend Payout Ratio | 0.243 | ▼-0.018 | ▲0.002 |
| Enterprise Value Multiple | 6.353 | ▼-4.265 | ▼-0.737 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $243.0M | $220.0M | $157.2M | $130.7M | $125.9M | |
| Enterprise value | $226.1M | $329.4M | $265.3M | $154.2M | $101.5M | |
| EV / Sales | 1.90x | 2.95x | 2.77x | 1.92x | 1.29x | |
| EV / Op. cash flow | 11.67x | 14.79x | 11.81x | 5.81x | 5.07x | |
| EV / Free cash flow | 14.68x | 16.18x | 12.00x | 6.71x | 5.38x | |
| EV / EBITDA | 6.35x | 10.62x | 10.88x | 4.19x | 3.42x | |
| Net debt / EBITDA | -0.47x | 3.53x | 4.43x | 0.64x | -0.82x | |
| Current ratio | 0.09x | 0.10x | 0.10x | 0.13x | 0.27x | |
| Income quality | 0.79x | 1.08x | 1.49x | 1.06x | 1.01x | |
| Graham number | $52 | $44 | $35 | $44 | $37 | |
| Graham net-net | -$266 | -$251 | -$238 | -$224 | -$175 | |
| Tax burden | 75.4% | 75.5% | 77.3% | 75.5% | 75.1% | |
| Interest burden | 100.0% | 100.0% | 99.9% | 100.0% | 100.0% | |
| Working capital | -$1.60B | -$1.48B | -$1.44B | -$1.43B | -$1.13B | |
| Invested capital | -$1.55B | -$1.44B | -$1.40B | -$1.38B | -$1.08B | |
| Return on assets | 1.2% | 1.0% | 0.8% | 1.4% | 1.1% | |
| Operating ROA | 1.6% | 1.4% | 1.0% | 1.9% | 1.5% | |
| Return on tangible assets | 1.2% | 1.0% | 0.8% | 1.4% | 1.2% | |
| Return on equity | 12.0% | 11.5% | 9.3% | 16.5% | 13.9% | |
| Return on invested capital | 7.0% | 5.2% | 4.3% | 9.1% | 8.1% | |
| Return on capital employed | 9.8% | 8.2% | 6.3% | 15.7% | 14.1% | |
| Earnings yield | 10.1% | 9.3% | 9.6% | 19.2% | 15.7% | |
| Free cash flow yield | 6.3% | 9.3% | 14.1% | 17.6% | 15.0% | |
| Capex / Op. cash flow | 20.5% | 8.6% | 1.6% | 13.5% | 5.6% | |
| Capex / Depreciation | 138.2% | 50.7% | 7.2% | 98.1% | 32.9% | |
| Capex / Sales | 3.3% | 1.7% | 0.4% | 4.4% | 1.4% | |
| SG&A / Sales | 29.4% | 27.5% | 31.8% | 32.8% | 33.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.4% | 0.6% | 0.7% | 0.6% | |
| Intangibles / Total assets | 0.5% | 0.6% | 0.6% | 0.7% | 0.7% | |
| Days sales outstanding | 24d | 24d | 29d | 27d | 63d | |
| Days payables outstanding | 10d | 5d | 9d | 13d | 1177d | |
| Operating cycle | 24d | 24d | 29d | 27d | 63d | |
| Cash conversion cycle | 14d | 19d | 20d | 14d | -1114d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+10.4%EV / Sales ▼-35.6%EV / EBITDA ▼-40.2%EV / Op. cash flow ▼-3.112Earnings yield ▲+0.007Graham number ▲+7.507
Profitability
Return on equity ▲+0.006Return on assets ▲+0.001Return on invested capital ▲+0.018Return on capital employed ▲+0.016Operating ROA ▲+0.002Income quality ▼-0.293Tax burden ▼-0.002
Efficiency
Days sales outstanding ▼-0.190Days payables outstanding ▲+4.695Operating cycle ▼-0.190Cash conversion cycle ▼-4.885Capex / Sales ▲+0.016R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.005Net debt / EBITDA ▼-3.999Working capital ▼-111639000.000Invested capital ▼-112573000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▲+93.0%EV / Sales ▲+46.9%EV / EBITDA ▲+86.1%EV / Op. cash flow ▲+6.600Earnings yield ▼-0.056Graham number ▲+14.198
Profitability
Return on equity ▼-0.019Return on assets +0.000Return on invested capital ▼-0.011Return on capital employed ▼-0.043Operating ROA ▲+0.001Income quality ▼-0.222Tax burden ▲+0.002
Efficiency
Days sales outstanding ▼-38.338Days payables outstanding ▼-1166.886Operating cycle ▼-38.338Cash conversion cycle ▲+1128.548Capex / Sales ▲+0.019R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.179Net debt / EBITDA ▲+0.345Working capital ▼-468995000.000Invested capital ▼-475867000.000Intangibles / Total assets ▼-0.001
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-07-27 First United Corporation (FUNC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?
- 2026-07-24 First United (FUNC) Upgraded to Buy: What Does It Mean for the Stock? First United (FUNC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
- 2026-07-20 First United Corporation (FUNC) Q2 Earnings and Revenues Surpass Estimates First United Corporation (FUNC) came out with quarterly earnings of $1.13 per share, beating the Zacks Consensus Estimate of $1.05 per share. This compares to earnings of $0.92 per share a year ago.
- 2026-07-20 FIRST UNITED CORPORATION ANNOUNCES SECOND QUARTER 2026 FINANCIAL RESULTS OAKLAND, Md., July 20, 2026 /PRNewswire/ -- First United Corporation (the "Corporation", "we", "us", and "our") (NASDAQ: FUNC), a bank holding company and the parent company of First United Bank & Trust (the "Bank"), today announced financial results for the three- and six-month periods ended June 30, 2026.
- 2026-07-04 Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?
- 2026-06-17 FIRST UNITED CORPORATION ANNOUNCES THIRD QUARTER 2026 DIVIDEND OAKLAND, Md., June 17, 2026 /PRNewswire/ -- First United Corporation (NASDAQ: FUNC) announces that its Board of Directors declared a cash dividend of $.26 per share that will be paid on August 3, 2026, to holders of record of the Corporation''s common stock as of the close of business on July 20, 2026.
- 2026-06-17 Why First United Corporation (FUNC) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?
- 2026-06-01 Why First United Corporation (FUNC) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?
- 2026-05-15 First United Corporation (FUNC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?