First United Corporation (FUNC) P/E Ratio History
Historical price-to-earnings valuation from 1992 to 2025
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FUNC Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, First United Corporation (FUNC) trades at a price-to-earnings ratio of 11.9x, with a stock price of $37.40 and trailing twelve-month earnings per share of $3.83.
The current P/E is 57% above its 5-year average of 7.6x. Over the past five years, FUNC's P/E has ranged from a low of 4.2x to a high of 12.1x, placing the current valuation at the 95th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.3x, FUNC is roughly in line with its sector peers. The sector includes 779 companies with P/E ratios ranging from 0.0x to 197.4x.
The PEG ratio of 1.06 (P/E divided by 40% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, FUNC trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our FUNC DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
FUNC P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $204M | 14.5 | 2.85 | +9% | |
| $175M | 13.3 | - | +210% | |
| $232M | 14.6 | - | +101% | |
| $415M | 11.7 | 0.27 | +262%Best | |
| $246M | 13.9 | 9.31 | +96% | |
| $324M | 21.5 | - | -37% | |
| $303M | 8.3Lowest | 2.08 | +32% | |
| $24B | 62.1 | 2.55 | -47% | |
| $11B | 23.9 | 2.37 | +19% | |
| $31B | 9.0 | 0.26Best | +18% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
FUNC Historical P/E Data (1992–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q3 | $36.77 | $3.83 | 9.6x | -22% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $31.01 | $3.65 | 8.5x | -31% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $30.02 | $3.48 | 8.6x | -30% |
| FY2024 Q4 | $33.71 | $3.15 | 10.7x | -13% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $29.84 | $2.46 | 12.1x | -1% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $20.42 | $2.24 | 9.1x | -26% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $22.91 | $2.15 | 10.7x | -13% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $23.51 | $2.24 | 10.5x | -14% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $16.23 | $3.02 | 5.4x | -56% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $14.26 | $3.39 | 4.2x | -66% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $16.86 | $3.55 | 4.7x | -61% |
| FY2022 Q4 | Sat Dec 31 2022 00:00:00 GM | $19.65 | $3.76 | 5.2x | -57% |
Average P/E for displayed period: 12.3x
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Start ComparisonFUNC — Frequently Asked Questions
Quick answers to the most common questions about buying FUNC stock.
Is FUNC stock overvalued or undervalued?
FUNC trades at 11.9x P/E, above its 5-year average of 7.6x. The 95th percentile ranking indicates a premium to historical valuation.
How does FUNC's valuation compare to peers?
First United Corporation P/E of 11.9x compares to sector median of 13.3x. The discount suggests lower growth expectations or higher risk.
What is FUNC's PEG ratio?
FUNC PEG ratio is 1.06. Between 1-2 suggests valuation aligns with growth. Historical P/E data spans 1992-2025.