CAC
Camden National Corporation
Banks - Regional
Market Cap$825M
5Y Perf.+45.0%
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Stock Comparison
CAC vs FUNC
Revenue, margins, valuation, and 5-year total return — side by side.
FUNC
First United Corporation
Banks - Regional
Market Cap$248M
5Y Perf.+177.5%
CAC vs FUNC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CAC | FUNC |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $825M | $248M |
| Revenue (TTM) | $367M | $112M |
| Net Income (TTM) | $65M | $25M |
| Gross Margin | 62.8% | 68.8% |
| Operating Margin | 22.2% | 24.4% |
| Forward P/E | 9.0x | 8.7x |
| Total Debt | $644M | $188M |
| Cash & Equiv. | $97M | $78M |
CAC vs FUNC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CAC
FUNC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Camden National Cor… (CAC) | 100 | 145.0 | +45.0% |
| First United Corpor… (FUNC) | 100 | 277.5 | +177.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CAC vs FUNC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CAC leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. First United Corporation is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
CAC
Camden National Corporation
The Banking Pick
CAC carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth 26.8%, EPS growth 6.1%
- Lower volatility, beta 0.99, Low D/E 92.5%, current ratio 1.77x
- Beta 0.99, yield 3.5%, current ratio 1.77x
Best for: growth exposure and sleep-well-at-night
FUNC
First United Corporation
The Banking Pick
FUNC is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 7 yrs, beta 0.72, yield 2.2%
- 289.2% 10Y total return vs CAC's 122.9%
- NIM 3.0% vs CAC's 2.9%
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CAC | 26.8% NII/revenue growth vs FUNC's 16.9% |
| Value | FUNC | Lower P/E (8.7x vs 9.0x) |
| Quality / Margins | CAC | Efficiency ratio 0.4% vs FUNC's 0.4% (lower = leaner) |
| Stability / Safety | FUNC | Beta 0.72 vs CAC's 0.99 |
| Dividends | CAC | 3.5% yield, 1-year raise streak, vs FUNC's 2.2% |
| Momentum (1Y) | CAC | +28.2% vs FUNC's +27.8% |
| Efficiency (ROA) | CAC | Efficiency ratio 0.4% vs FUNC's 0.4% |
CAC vs FUNC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
CAC vs FUNC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFUNCLAGGINGCAC
CACCamden National Corpo…
0leads
FUNCFirst United Corporat…
4leads
6 Total Categories
CATEGORYLEADERvs CACMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FUNC4/5
Valuation MetricsMultiples, price ratios, and targets
FUNC5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FUNC7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FUNC4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
FUNC leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CAC is the larger business by revenue, generating $367M annually — 3.3x FUNC's $112M. Profitability is closely matched — net margins range from 18.4% (FUNC) to 17.7% (CAC).
| Metric | CACCamden National C… | FUNCFirst United Corp… |
|---|---|---|
| RevenueTrailing 12 months | $367M | $112M |
| EBITDAEarnings before interest/tax | $92M | $36M |
| Net IncomeAfter-tax profit | $65M | $25M |
| Free Cash FlowCash after capex | $17M | $16M |
| Gross MarginGross profit ÷ Revenue | +62.8% | +68.8% |
| Operating MarginEBIT ÷ Revenue | +22.2% | +24.4% |
| Net MarginNet income ÷ Revenue | +17.7% | +18.4% |
| FCF MarginFCF ÷ Revenue | +16.2% | +18.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +33.0% | +20.2% |
FUNC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
FUNC leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 12.1x trailing earnings, FUNC trades at a 4% valuation discount to CAC's 12.7x P/E. On an enterprise value basis, FUNC's 11.5x EV/EBITDA is more attractive than CAC's 15.0x.
| Metric | CACCamden National C… | FUNCFirst United Corp… |
|---|---|---|
| Market CapShares × price | $825M | $248M |
| Enterprise ValueMkt cap + debt − cash | $1.4B | $357M |
| Trailing P/EPrice ÷ TTM EPS | 12.66x | 12.12x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.98x | 8.68x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.08x |
| EV / EBITDAEnterprise value multiple | 14.99x | 11.52x |
| Price / SalesMarket cap ÷ Revenue | 2.25x | 2.22x |
| Price / BookPrice ÷ Book value/share | 1.18x | 1.39x |
| Price / FCFMarket cap ÷ FCF | 13.87x | 12.18x |
FUNC leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
FUNC leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
FUNC delivers a 12.5% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $10 for CAC. CAC carries lower financial leverage with a 0.92x debt-to-equity ratio, signaling a more conservative balance sheet compared to FUNC's 1.05x. On the Piotroski fundamental quality scale (0–9), CAC scores 8/9 vs FUNC's 6/9, reflecting strong financial health.
| Metric | CACCamden National C… | FUNCFirst United Corp… |
|---|---|---|
| ROE (TTM)Return on equity | +9.8% | +12.5% |
| ROA (TTM)Return on assets | +0.9% | +1.2% |
| ROICReturn on invested capital | +5.1% | +5.9% |
| ROCEReturn on capital employed | +2.3% | +8.5% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 6 |
| Debt / EquityFinancial leverage | 0.92x | 1.05x |
| Net DebtTotal debt minus cash | $547M | $109M |
| Cash & Equiv.Liquid assets | $97M | $78M |
| Total DebtShort + long-term debt | $644M | $188M |
| Interest CoverageEBIT ÷ Interest expense | 0.70x | 1.01x |
FUNC leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FUNC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FUNC five years ago would be worth $23,452 today (with dividends reinvested), compared to $11,934 for CAC. Over the past 12 months, CAC leads with a +28.2% total return vs FUNC's +27.8%. The 3-year compound annual growth rate (CAGR) favors FUNC at 47.1% vs CAC's 22.1% — a key indicator of consistent wealth creation.
| Metric | CACCamden National C… | FUNCFirst United Corp… |
|---|---|---|
| YTD ReturnYear-to-date | +14.9% | +4.4% |
| 1-Year ReturnPast 12 months | +28.2% | +27.8% |
| 3-Year ReturnCumulative with dividends | +82.1% | +218.6% |
| 5-Year ReturnCumulative with dividends | +19.3% | +134.5% |
| 10-Year ReturnCumulative with dividends | +122.9% | +289.2% |
| CAGR (3Y)Annualised 3-year return | +22.1% | +47.1% |
FUNC leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — CAC and FUNC each lead in 1 of 2 comparable metrics.
Risk & Volatility
FUNC is the less volatile stock with a 0.72 beta — it tends to amplify market swings less than CAC's 0.99 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | CACCamden National C… | FUNCFirst United Corp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.99x | 0.72x |
| 52-Week HighHighest price in past year | $52.94 | $41.95 |
| 52-Week LowLowest price in past year | $35.00 | $28.00 |
| % of 52W HighCurrent price vs 52-week peak | +91.8% | +91.0% |
| RSI (14)Momentum oscillator 0–100 | 50.7 | 50.6 |
| Avg Volume (50D)Average daily shares traded | 94K | 11K |
Evenly matched — CAC and FUNC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — CAC and FUNC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CAC as "Buy" and FUNC as "Buy". Consensus price targets imply 9.0% upside for CAC (target: $53) vs -34.5% for FUNC (target: $25). For income investors, CAC offers the higher dividend yield at 3.45% vs FUNC's 2.15%.
| Metric | CACCamden National C… | FUNCFirst United Corp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $53.00 | $25.00 |
| # AnalystsCovering analysts | 6 | 1 |
| Dividend YieldAnnual dividend ÷ price | +3.5% | +2.2% |
| Dividend StreakConsecutive years of raises | 1 | 7 |
| Dividend / ShareAnnual DPS | $1.68 | $0.82 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +1.6% |
Evenly matched — CAC and FUNC each lead in 1 of 2 comparable metrics.
Key Takeaway
FUNC leads in 4 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 2 categories are tied.
Best OverallFirst United Corporation (FUNC)Leads 4 of 6 categories
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CAC vs FUNC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CAC or FUNC a better buy right now?
For growth investors, Camden National Corporation (CAC) is the stronger pick with 26.
8% revenue growth year-over-year, versus 16. 9% for First United Corporation (FUNC). First United Corporation (FUNC) offers the better valuation at 12. 1x trailing P/E (8. 7x forward), making it the more compelling value choice. Analysts rate Camden National Corporation (CAC) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CAC or FUNC?
On trailing P/E, First United Corporation (FUNC) is the cheapest at 12.
1x versus Camden National Corporation at 12. 7x. On forward P/E, First United Corporation is actually cheaper at 8. 7x.
03Which is the better long-term investment — CAC or FUNC?
Over the past 5 years, First United Corporation (FUNC) delivered a total return of +134.
5%, compared to +19. 3% for Camden National Corporation (CAC). Over 10 years, the gap is even starker: FUNC returned +289. 2% versus CAC's +122. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CAC or FUNC?
By beta (market sensitivity over 5 years), First United Corporation (FUNC) is the lower-risk stock at 0.
72β versus Camden National Corporation's 0. 99β — meaning CAC is approximately 39% more volatile than FUNC relative to the S&P 500. On balance sheet safety, Camden National Corporation (CAC) carries a lower debt/equity ratio of 92% versus 105% for First United Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — CAC or FUNC?
By revenue growth (latest reported year), Camden National Corporation (CAC) is pulling ahead at 26.
8% versus 16. 9% for First United Corporation (FUNC). On earnings-per-share growth, the picture is similar: First United Corporation grew EPS 40. 0% year-over-year, compared to 6. 1% for Camden National Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CAC or FUNC?
First United Corporation (FUNC) is the more profitable company, earning 18.
4% net margin versus 17. 7% for Camden National Corporation — meaning it keeps 18. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FUNC leads at 24. 4% versus 22. 2% for CAC. At the gross margin level — before operating expenses — FUNC leads at 68. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CAC or FUNC more undervalued right now?
On forward earnings alone, First United Corporation (FUNC) trades at 8.
7x forward P/E versus 9. 0x for Camden National Corporation — 0. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CAC: 9. 0% to $53. 00.
08Which pays a better dividend — CAC or FUNC?
All stocks in this comparison pay dividends.
Camden National Corporation (CAC) offers the highest yield at 3. 5%, versus 2. 2% for First United Corporation (FUNC).
09Is CAC or FUNC better for a retirement portfolio?
For long-horizon retirement investors, First United Corporation (FUNC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
72), 2. 2% yield, +289. 2% 10Y return). Both have compounded well over 10 years (FUNC: +289. 2%, CAC: +122. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CAC and FUNC?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(CAC: 26.8% · FUNC: 16.9%)Net Margin>
%
(CAC: 17.7% · FUNC: 18.4%)P/E Ratio<
x
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