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First United Corporation (FUNC) vs National Bankshares, Inc. (NKSH)

First United Corporation and National Bankshares, Inc. are both Banks Regional companies. First United Corporation and National Bankshares, Inc. are of similar size ($283.5M and $276.0M). First United Corporation trades at the lower P/E: 11.4× against 13.6×. First United Corporation grew revenue faster over the last twelve months: 7.79% against 5.28%. National Bankshares, Inc. has the higher net margin (23.2% vs 20.0%) and the lower return on invested capital (11.2% vs 13.2%). Both pay a dividend; National Bankshares, Inc. yields more (3.52% vs 2.98%). Across the 19 metrics below, First United Corporation leads on 14 and National Bankshares, Inc. on 5.

Valuation

Metric FUNC NKSH Banks Regional median
P/E 11.43 13.62 11.98
P/S 2.28 3.16 2.34
P/B 1.34 1.44 1.19
Price to free cash flow 10.52 15.00 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.75% 7.34% 8.23%
Free cash flow yield 9.50% 6.67% 9.08%

Profitability

Metric FUNC NKSH Banks Regional median
Gross margin 74.62% 69.15% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.03% 23.22% 18.66%
Free cash flow margin 21.69% 21.07% 21.11%
Return on equity 12.42% 11.25% 10.65%
Return on assets 1.23% 1.12% 1.13%
Return on invested capital 13.18% 11.23% 8.35%

Growth

Metric FUNC NKSH Banks Regional median
Revenue growth (TTM) 7.79% 5.28% 6.98%
EPS growth (last fiscal year) 19.68% 100.81% 18.88%
Revenue growth, 5-year CAGR 9.60% 10.43% 12.38%
Net income growth, 5-year CAGR 12.11% (0.31%) 9.71%

Health

Metric FUNC NKSH Banks Regional median
Debt to equity 0.15 0.00 0.22
Current ratio 0.91 0.65 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FUNC NKSH Banks Regional median
Dividend yield 2.98% 3.52% 2.57%
Payout ratio 0.34 0.48 0.30

Size

Metric FUNC NKSH Banks Regional median
Market cap 283.46m 275.97m 913.33m

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