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First Northern Community Bancorp (FNRN) vs First United Corporation (FUNC)

First Northern Community Bancorp and First United Corporation are both Banks Regional companies. First Northern Community Bancorp and First United Corporation are of similar size ($283.5M and $273.3M). First United Corporation trades at the lower P/E: 11.4× against 12.2×. First United Corporation grew revenue faster over the last twelve months: 7.79% against 4.54%. First Northern Community Bancorp has the higher net margin (25.0% vs 20.0%) and the higher return on invested capital (18.7% vs 13.2%). Across the 18 metrics below, First United Corporation leads on 13 and First Northern Community Bancorp on 5.

Valuation

Metric FNRN FUNC Banks Regional median
P/E 12.22 11.43 11.98
P/S 2.99 2.28 2.34
P/B 1.25 1.34 1.19
Price to free cash flow 42.79 10.52 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.18% 8.75% 8.23%
Free cash flow yield 2.34% 9.50% 9.08%

Profitability

Metric FNRN FUNC Banks Regional median
Gross margin 83.21% 74.62% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.97% 20.03% 18.66%
Free cash flow margin 6.99% 21.69% 21.11%
Return on equity 10.98% 12.42% 10.65%
Return on assets 1.19% 1.23% 1.13%
Return on invested capital 18.73% 13.18% 8.35%

Growth

Metric FNRN FUNC Banks Regional median
Revenue growth (TTM) 4.54% 7.79% 6.98%
EPS growth (last fiscal year) 7.54% 19.68% 18.88%
Revenue growth, 5-year CAGR 9.30% 9.60% 12.38%
Net income growth, 5-year CAGR 11.68% 12.11% 9.71%

Health

Metric FNRN FUNC Banks Regional median
Debt to equity 0.00 0.15 0.22
Current ratio 0.75 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNRN FUNC Banks Regional median
Dividend yield — 2.98% 2.57%
Payout ratio — 0.34 0.30

Size

Metric FNRN FUNC Banks Regional median
Market cap 273.31m 283.46m 913.33m

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