FIRST UNITED CORPORATION |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 22.52 USD | +1.08% |
|
+1.53% | -4.21% |
| Apr. 23 | Earnings Flash (FUNC) FIRST UNITED CORPORATION Reports Q1 EPS $0.62 | MT |
| Apr. 23 | First United Corporation Reports Net Charge-Offs for the First Quarter Ended March 31, 2024 | CI |
Valuation
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Capitalization 1 | 108.3 | 124.2 | 130.8 | 157.2 | 149.6 | - |
| Enterprise Value (EV) 1 | 108.3 | 124.2 | 130.8 | 157.2 | 149.6 | 149.6 |
| P/E ratio | 7.87 x | 6.36 x | 5.23 x | 10.5 x | 8.37 x | 7.15 x |
| Yield | - | 3.2% | - | 3.4% | 3.55% | 3.55% |
| Capitalization / Revenue | - | 1.69 x | - | 2.2 x | 1.92 x | 1.78 x |
| EV / Revenue | - | 1.69 x | - | 2.2 x | 1.92 x | 1.78 x |
| EV / EBITDA | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - |
| Price to Book | - | 0.88 x | - | 0.96 x | 0.85 x | 0.78 x |
| Nbr of stocks (in thousands) | 6,989 | 6,618 | 6,656 | 6,686 | 6,643 | - |
| Reference price 2 | 15.50 | 18.76 | 19.65 | 23.51 | 22.52 | 22.52 |
| Announcement Date | 2/19/21 | 2/4/22 | 3/24/23 | 2/5/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Net sales 1 | - | 73.66 | - | 71.34 | 78.1 | 84.21 |
| EBITDA | - | - | - | - | - | - |
| EBIT 1 | - | - | - | 21.1 | 27.14 | 31.94 |
| Operating Margin | - | - | - | 29.57% | 34.76% | 37.93% |
| Earnings before Tax (EBT) 1 | - | 26.31 | - | 19.48 | 23.31 | 27.19 |
| Net income 1 | 13.84 | 19.77 | 25.05 | 15.06 | 17.9 | 20.94 |
| Net margin | - | 26.84% | - | 21.11% | 22.92% | 24.86% |
| EPS 2 | 1.970 | 2.950 | 3.760 | 2.240 | 2.690 | 3.150 |
| Free Cash Flow | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - |
| Dividend per Share 2 | - | 0.6000 | - | 0.8000 | 0.8000 | 0.8000 |
| Announcement Date | 2/19/21 | 2/4/22 | 3/24/23 | 2/5/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q3 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 18.23 | 20.34 | 17.78 | - | - | 18.74 | 18.88 | 14.8 | 18.69 | 19.34 | 19.96 | 20.11 | 20.12 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT 1 | - | - | - | - | - | 6.232 | 6.097 | 2.494 | 5.806 | 6.501 | 7.125 | 7.656 | 6.953 |
| Operating Margin | - | - | - | - | - | 33.25% | 32.29% | 16.85% | 31.07% | 33.61% | 35.7% | 38.07% | 34.56% |
| Earnings before Tax (EBT) 1 | 5.8 | 10.04 | 7.616 | - | - | 5.837 | 5.834 | 2.075 | 4.86 | 5.709 | 6.159 | 6.578 | 5.96 |
| Net income 1 | 4.388 | 7.549 | 5.715 | 6.939 | 4.375 | 4.414 | 4.513 | 1.758 | 3.698 | 4.396 | 4.743 | 5.065 | 4.589 |
| Net margin | 24.07% | 37.12% | 32.15% | - | - | 23.55% | 23.9% | 11.88% | 19.79% | 22.73% | 23.76% | 25.19% | 22.81% |
| EPS 2 | 0.6600 | 1.140 | 0.8600 | 1.040 | 0.6500 | 0.6600 | 0.6700 | 0.2600 | 0.5600 | 0.6600 | 0.7100 | 0.7600 | 0.6900 |
| Dividend per Share 2 | 0.1500 | 0.1500 | 0.1500 | - | - | 0.2000 | 0.2000 | 0.2000 | 0.2000 | 0.2000 | 0.2000 | 0.2000 | 0.2000 |
| Announcement Date | 10/26/21 | 2/4/22 | 4/21/22 | 10/21/22 | 4/24/23 | 7/24/23 | 10/23/23 | 2/5/24 | 4/23/24 | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | - | 17.8% | - | 9.68% | 10.6% | 11.4% |
| ROA (Net income/ Total Assets) | - | 1.35% | - | 0.78% | 0.89% | 0.99% |
| Assets 1 | - | 1,464 | - | 1,931 | 2,011 | 2,115 |
| Book Value Per Share 2 | - | 21.40 | - | 24.40 | 26.50 | 28.80 |
| Cash Flow per Share | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - |
| Announcement Date | 2/19/21 | 2/4/22 | 3/24/23 | 2/5/24 | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
C
Sell
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
22.52
Average target price
-
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -4.21% | 150M | |
| +13.75% | 556B | |
| +12.36% | 298B | |
| +8.64% | 247B | |
| +21.72% | 210B | |
| +16.11% | 170B | |
| +6.88% | 162B | |
| +4.42% | 153B | |
| -11.67% | 138B | |
| +0.10% | 139B |
- Stock Market
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- Financials First United Corporation
