Definitive Analysis
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Definitive Analysis

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First United Corporation (FUNC)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$165.95 - $762.78$375.98
Multi-Stage$86.30 - $94.42$90.29
Blended Fair Value$233.13
Current Price$36.77
Upside534.03%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS11.45%0.00%0.830.800.610.600.560.480.290.000.000.00
YoY Growth--2.99%30.88%2.44%6.72%16.67%63.53%0.00%0.00%0.00%0.00%
Dividend Yield--2.75%3.52%3.64%2.66%3.18%3.37%1.70%0.00%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)24.92
(-) Cash Dividends Paid (M)5.70
(=) Cash Retained (M)19.22
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)4.983.121.87
Cash Retained (M)19.2219.2219.22
(-) Cash Required (M)-4.98-3.12-1.87
(=) Excess Retained (M)14.2416.1117.35
(/) Shares Outstanding (M)6.506.506.50
(=) Excess Retained per Share2.192.482.67
LTM Dividend per Share0.880.880.88
(+) Excess Retained per Share2.192.482.67
(=) Adjusted Dividend3.073.363.55
WACC / Discount Rate7.45%7.45%7.45%
Growth Rate5.50%6.50%7.50%
Fair Value$165.95$375.98$762.78
Upside / Downside351.33%922.52%1,974.47%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)24.9226.5428.2730.1132.0634.1535.17
Payout Ratio22.87%36.30%49.72%63.15%76.57%90.00%92.50%
Projected Dividends (M)5.709.6314.0619.0124.5530.7332.53

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.45%7.45%7.45%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)8.888.979.05
Year 2 PV (M)11.9512.1712.40
Year 3 PV (M)14.9015.3215.76
Year 4 PV (M)17.7418.4219.12
Year 5 PV (M)20.4721.4622.48
PV of Terminal Value (M)486.85510.36534.78
Equity Value (M)560.78586.70613.60
Shares Outstanding (M)6.506.506.50
Fair Value$86.30$90.29$94.42
Upside / Downside134.69%145.54%156.80%

High-Yield Dividend Screener

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