FIRST UNITED CORP/MD/ (FUNC)
National Commercial Banks · Financial Services · $267M
Intrinsic Value (Consensus)
$71.99
Current Price
$41.35
Margin of Safety
+74.1%
74.1% Below Intrinsic Value
Value: $72
Price: $41
Valuation Model Estimates
Current Price: $41.35
DCF (Discounted Cash Flow)
$109.52
Graham Number
$51.76
Earnings Power Value
$36.60
Relative Value (P/E)
$75.40
Dividend Discount Model
$86.67
Consensus Value
$71.99
Model Assumptions
Discount Rate
10.3%
Growth Rate
19.7%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
75
Profitability
18/25
Strength
22/25
Valuation
22/25
Growth
13/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $3.77
- EPS (Forward)
- $4.51
- Book Value
- $31.59
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 12.0%
- Debt/Equity
- 47%
- Revenue Growth
- 4.0%
- Earnings Growth
- 19.7%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance