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Market Price

19.01 

-0.48 -2.5%

as of Nov 14 '18

52 Week Range:

16.60 24.32


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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 24 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 16.92
11.81
16.24
10.60
10.99
11.04
11.11
13.11
13.42
15.12
15.68
growth rate -30.2% 37.5% -34.7% 3.7% 0.5% 0.6% 18.0% 2.4% 12.7% 3.7%
Earnings BIT 18.54
12.44
-19.82
-18.21
2.99
5.58
8.67
13.14
24.97
15.14
16.29
growth rate -32.9% -100.0% 0.0% 100.0% 86.6% 55.4% 51.5% 90.1% -39.4% 7.6%
Avg.PE 9.88
9.29
-5.00
-2.50
9.68
14.95
10.19
18.88
20.25
15.97
21.22
growth rate -6.0% -100.0% 0.0% 100.0% 54.4% -31.8% 85.3% 7.3% -21.1% 32.9%
ROA 0.90
0.57
-0.75
-0.68
0.13
0.22
0.35
0.22
0.62
0.40
0.30
growth rate -36.7% -100.0% 0.0% 100.0% 69.2% 59.1% -37.1% 181.8% -35.5% -25.0%
ROE 12.70
10.00
-14.72
-14.13
3.04
4.38
6.65
3.99
9.63
5.70
4.01
growth rate -21.3% -100.0% 0.0% 100.0% 44.1% 51.8% -40.0% 141.4% -40.8% -29.7%
ROIC 12.75
10.24
1.98
1.88
5.68
5.58
4.52
3.96
growth rate -19.7% -80.7% -5.1% 202.1% -1.8% -19.0% -12.4%
Leverage 14.13
22.55
17.34
25.77
20.82
19.15
18.69
16.86
14.58
14.07
12.37
growth rate 59.6% -23.1% 48.6% -19.2% -8.0% -2.4% -9.8% -13.5% -3.5% -12.1%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 28.72
25.01
28.83
21.85
19.50
21.12
25.80
growth rate -12.9% 15.3% -24.2% -10.8% 8.3% 22.2%
Acct.Payable 22.51
23.00
28.41
981.32
998.79
1,014.23
1,039.39
growth rate 2.2% 23.5% 3,353.9% 1.8% 1.6% 2.5%
Cur.Assets 52.54
63.24
78.08
98.51
growth rate 20.4% 23.5% 26.2%
Total Assets 1,639.10
1,743.80
1,696.40
1,390.87
1,320.80
1,333.50
1,332.30
1,323.46
1,318.19
1,340.84
growth rate 6.4% -2.7% -18.0% -5.0% 1.0% -0.1% -0.7% -0.4% 1.7%
Cash 19.30
189.70
299.30
320.86
18.00
-40.00
35.45
52.14
63.31
83.75
growth rate 882.9% 57.8% 7.2% -94.4% -100.0% 100.0% 47.1% 21.4% 32.3%
Inventory 12.93
6.88
10.91
10.14
growth rate -46.8% 58.5% -7.1%
Cur.Liabilities 1,022.21
1,035.17
1,049.91
1,108.69
growth rate 1.3% 1.4% 5.6%
Liabilities 1,566.40
1,643.20
1,600.80
1,294.21
1,221.90
1,232.20
1,223.30
1,202.69
1,204.49
1,232.45
growth rate 4.9% -2.6% -19.2% -5.6% 0.8% -0.7% -1.7% 0.2% 2.3%
LT Debt 35.93
2,008.00
2,009.00
2,010.00
2,011.00
182.70
182.70
182.61
147.54
131.74
100.93
growth rate 5,488.6% 0.1% 0.1% 0.1% -90.9% 0.0% -0.1% -19.2% -10.7% -23.4%
Equity 104.67
72.70
100.60
95.60
96.66
98.90
71.30
79.00
90.77
93.70
108.39
growth rate -30.5% 38.4% -5.0% 1.1% 2.3% -27.9% 10.8% 14.9% 3.2% 15.7%
Common Shares 6.00
6.00
6.00
6.00
6.00
6.00
6.00
6.00
6.00
6.00
7.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 16.7%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 4.14
2.60
2.50
3.90
0.24
1.28
0.94
0.72
1.37
3.92
6.56
growth rate -37.2% -3.9% 56.0% -94.0% 442.4% -26.5% -23.5% 90.4% 186.2% 67.2%
Cash Dividends 4.80
4.80
6.10
1.90
0.00
0.00
0.00
9.10
2.70
2.03
1.22
growth rate 0.0% 27.1% -68.9% -100.0% -70.3% -25.0% -40.0%
Cash From OA 14.48
17.40
3.90
141.90
63.04
15.21
18.68
3.89
22.20
11.49
12.92
growth rate 20.2% -77.6% 3,538.5% -55.6% -75.9% 22.8% -79.2% 471.1% -48.2% 12.5%
FCF per Share 1.67
2.42
0.24
22.38
7.83
2.23
3.24
0.88
1.38
2.65
0.44
growth rate 44.9% -90.1% 9,225.0% -65.0% -71.5% 45.3% -72.8% 56.8% 92.0% -83.4%
Sale Purchase of Stock 0.00
0.00
9.19
9.19
growth rate 0.0% 919,000.0% 0.0%
FCF 10.00
15.00
1.00
139.00
62.00
14.00
18.00
3.00
21.00
8.00
6.00
growth rate 50.0% -93.3% 13,800.0% -55.4% -77.4% 28.6% -83.3% 600.0% -61.9% -25.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 59.33
65.90
42.30
42.60
76.76
68.45
63.28
46.56
49.01
49.17
51.33
growth rate 11.1% -35.8% 0.7% 80.2% -10.8% -7.6% -26.4% 5.3% 0.3% 4.4%
Op.Income 12.40
-19.80
-18.20
3.63
4.66
6.48
10.63
11.78
12.11
13.04
growth rate -100.0% 0.0% 100.0% 28.6% 38.9% 64.1% 10.9% 2.8% 7.7%
IBT 12.44
-19.82
-18.21
2.99
5.58
8.70
6.87
19.46
10.06
12.21
growth rate -100.0% 0.0% 100.0% 86.4% 56.0% -21.0% 183.4% -48.3% 21.4%
Net Income 8.90
-11.30
-10.20
3.63
4.70
6.40
5.60
12.99
7.28
5.27
growth rate -100.0% 0.0% 100.0% 29.6% 36.2% -12.6% 132.1% -44.0% -27.6%
EPS 2.06
1.44
-2.06
-1.90
0.33
0.48
0.75
0.48
1.65
0.84
0.58
growth rate -30.1% -100.0% 0.0% 100.0% 45.5% 56.3% -36.0% 243.8% -49.1% -31.0%
Gross Profit 46.56
49.01
49.17
51.33
growth rate 5.3% 0.3% 4.4%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 4.21
3.79
4.33
4.08
growth rate -10.1% 14.3% -5.8%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 22.88
27.21
25.80
23.87
growth rate 18.9% -5.2% -7.5%
Acct.Payable 1,037.71
1,041.47
1,039.39
1,017.86
1,041.12
growth rate 0.4% -0.2% -2.1% 2.3%
Cur.Assets 88.01
98.52
98.51
34.65
37.66
growth rate 11.9% 0.0% -64.8% 8.7%
Total Assets 1,325.69
1,352.32
1,340.84
1,319.41
1,323.32
growth rate 2.0% -0.9% -1.6% 0.3%
Cash 72.96
85.03
83.75
21.23
25.39
growth rate 16.6% -1.5% -74.7% 19.6%
Inventory 11.56
9.78
10.14
9.51
8.50
growth rate -15.4% 3.7% -6.2% -10.6%
Cur.Liabilities 1,062.83
1,087.17
1,108.69
1,088.48
1,089.37
growth rate 2.3% 2.0% -1.8% 0.1%
Liabilities 1,207.12
1,231.49
1,232.45
1,208.28
1,210.34
growth rate 2.0% 0.1% -2.0% 0.2%
LT Debt 120.93
120.93
100.93
100.93
100.93
growth rate 0.0% -16.5% 0.0% 0.0%
Equity 108.56
110.84
108.39
111.13
112.97
growth rate 2.1% -2.2% 2.5% 1.7%
Common Shares 0.07
0.07
0.07
0.07
0.07
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 1.26
1.79
2.05
2.22
3.19
growth rate 41.9% 14.6% 8.2% 43.8%
Cash Dividends 0.23
0.23
0.23
0.64
0.64
growth rate 0.0% 0.0% 182.2% 0.6%
Cash From OA 4.71
-0.88
8.95
3.23
2.93
growth rate -100.0% 100.0% -64.0% -9.3%
Sale Purchase of Stock -0.01
-10.00
-10.00
growth rate 0.0% 0.0%
FCF 3.45
-2.67
6.90
1.01
-0.27
growth rate -100.0% 100.0% -85.4% -100.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 13.12
12.85
13.15
13.85
14.48
growth rate -2.1% 2.4% 5.3% 4.6%
Op.Income 3.48
3.10
3.43
3.67
4.13
growth rate -11.0% 10.5% 7.2% 12.6%
IBT 3.26
2.82
3.36
3.15
3.86
growth rate -13.4% 18.9% -6.1% 22.3%
Net Income 2.31
2.01
-1.03
2.51
3.02
growth rate -12.9% -100.0% 100.0% 20.4%
EPS
growth rate
Gross Profit 13.12
12.85
13.15
13.85
14.48
growth rate -2.1% 2.4% 5.3% 4.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (8.22)

YOY Growth Grade:

F (10.82)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 21.85 22.21 5.87
EPS / Growth -15.9% 0.86

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 3.4% 3.4%
Future PE 2.00 6.36 6.36
Future EPS 0.95 1.20 1.20
Value Price
MOS %
0.47
-97.5%
1.88
-90.1%
1.88
-90.1%
MOS Price 0.23 0.94 0.94
IRT 19.97 16.37 16.37

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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