First United Corp. (FUNC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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First United Corp.

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Why is First United Corp. ?

High Profitability with a Net Interest Margin of 4.43%

Strong Long Term Fundamental Strength with a 12.12% CAGR growth in Net Profits

The company has declared Positive results for the last 4 consecutive quarters

NII(Q) Highest at USD 17.99 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
NET SALES(Q) Highest at USD 26.15 MM

With ROA of 0.95%, it has a fair valuation with a 1.15 Price to Book Value

Over the past year, while the stock has generated a return of 16.84%, its profits have risen by 19.2% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 53.93%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First United Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First United Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

First United Corp.

16.84%

2.35

34.82%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.62%

EBIT Growth (5y)

8.04%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

25.46%

Pledged Shares

Institutional Holding

53.93%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.15

EV to EBIT

6.97

EV to EBITDA

6.46

EV to Capital Employed

1.17

EV to Sales

2.10

PEG Ratio

0.51

Dividend Yield

2.65%

ROCE (Latest)

16.79%

ROE (Latest)

12.04%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What is working for the Company

NII(Q)

Highest at USD 17.99 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 26.15 MM

-7What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 9.48 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 87.67%

PRE-TAX PROFIT(Q)

Lowest at USD 7.63 MM

NET PROFIT(Q)

Lowest at USD 5.78 MM

EPS(Q)

Lowest at USD 0.89

Here's what is working for First United Corp.

NII

Highest at USD 17.99 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 26.15 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for First United Corp.

Operating Cash Flow

Lowest at USD 9.48 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Pre-Tax Profit

Lowest at USD 7.63 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 5.78 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.89

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Lowest at 87.67%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)