` Comparison: FUNC, MTB - Alpha Spread

FUNC
vs
MTB

Over the past 12 months, FUNC has outperformed MTB, delivering a return of +14% compared to the MTB's +2% growth.

Valuation Growth Profitability Solvency Stocks Performance
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FUNC
MTB
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Stocks Compared:
FUNC MTB
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Valuation Comparison

FUNC Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
First United Corp
NASDAQ:FUNC
40.51 USD
M&T Bank Corp
NYSE:MTB
203.84 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FUNC, MTB

FUNC
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
First United Corp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
FUNC, MTB

FUNC
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
First United Corp
NASDAQ:FUNC
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FUNC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First United Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

FUNC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First United Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

FUNC
28.9%
MTB
27.3%
LTM 3Y Avg 5Y Avg 10Y Avg
First United Corp
M&T Bank Corp

FCF Margin

FUNC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First United Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

FUNC
13.4%
MTB
9.1%
LTM 3Y Avg 5Y Avg 10Y Avg
First United Corp
M&T Bank Corp

ROA

FUNC
1.3%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
First United Corp
M&T Bank Corp

ROIC

FUNC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First United Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

FUNC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First United Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FUNC, MTB

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FUNC
MTB
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Performance Gap
FUNC, MTB

Performance Gap Between FUNC and MTB
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Performance By Year
FUNC, MTB

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FUNC
MTB
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