First United [FUNC] vs PNC Financial [PNC] Detailed Stock Comparison

First United Corporation

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: First United Corporation wins in 15 metrics, PNC Financial Services Group, Inc. wins in 4 metrics, with 0 ties. First United Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First United Corporation PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 9.70 12.56 First United Corporation
Price-to-Book Ratio 1.21 1.39 First United Corporation
Debt-to-Equity Ratio 0.25 1.12 First United Corporation
PEG Ratio 0.67 11.84 First United Corporation
Profit Margin (TTM) 28.77% 28.75% First United Corporation
Operating Margin (TTM) 41.02% 35.28% First United Corporation
EBITDA Margin (TTM) 41.02% 35.28% First United Corporation
Return on Equity 13.05% 11.33% First United Corporation
Return on Assets (TTM) 1.26% 1.09% First United Corporation
Free Cash Flow (TTM) $15.41M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 3.37% 3.02% First United Corporation
1-Year Return 44.88% 37.08% First United Corporation
Price-to-Sales Ratio (TTM) 2.79 3.35 First United Corporation
Enterprise Value $206.16M $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 2.34 6.11 First United Corporation
Revenue per Share (TTM) $14 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $3.91 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.52 1.07 First United Corporation
Short % of Float 0.97% 1.26% First United Corporation

First United Corporation vs PNC Financial Services Group, Inc. Stock Performance Analysis

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FUNC
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First United Corporation-0.98%2.96%12.36%14.94%1.47%11.81%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First United Corporation44.88%173.66%124.38%315.38%655.78%95.75%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: First United Corporation vs PNC Financial Services Group, Inc.

MetricFUNCPNC
Market Information
Market Cap i$246.79M$70.31B
Market Cap CategoryMicro capLarge cap
10 Day Avg. Volume i9,4431,904,080
90 Day Avg. Volume i10,7741,960,760
Last Close$41.46$230.56
52 Week Range$28.00 - $42.83$172.88 - $243.94
% from 52W High-3.20%-5.48%
All-Time High$42.83 (Jun 15, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-3.20%-5.48%
Growth Metrics
Quarterly Revenue Growth0.11%0.05%
Quarterly Earnings Growth0.15%0.11%
Financial Health
Profit Margin (TTM) i0.29%0.29%
Operating Margin (TTM) i0.41%0.35%
Return on Equity (TTM) i0.13%0.11%
Debt to Equity (MRQ) i0.251.12
Cash & Liquidity
Book Value per Share (MRQ)$31.33$127.98
Cash per Share (MRQ)$13.94$27.54
Operating Cash Flow (TTM) i$16.30M$5.61B
Levered Free Cash Flow (TTM) i$24.52M$5.50B
Dividends
Last 12-Month Dividend Yield i3.37%3.02%
Last 12-Month Dividend i$1.22$6.70

Valuation & Enterprise Metrics Analysis: First United Corporation vs PNC Financial Services Group, Inc.

MetricFUNC (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i9.7012.56
Forward P/E i7.9011.84
PEG Ratio i0.6711.84
Price to Sales (TTM) i2.793.35
Price to Book (MRQ) i1.211.39
Market Capitalization
Market Capitalization i$246.79M$70.31B
Enterprise Value i$206.16M$128.31B
Enterprise Value Metrics
Enterprise to Revenue i2.346.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.521.07
Book Value per Share (MRQ) i$31.33$127.98

Financial Statements Comparison: First United Corporation vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFUNC (2025)PNC (2024)
Revenue/Sales i88.87M20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i32.53M7.24B
Pre-Tax Income % of Revenue i36.6%34.8%
Income Tax i8.02M1.29B
Income Tax % of Revenue i9.0%6.2%
Net Income (Profit) i24.52M5.95B
Profit Margin i27.6%28.6%

Balance Sheet & Liquidity Metrics

MetricFUNC (2025)PNC (2024)
Cash & Equivalents i131.61M46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i97.11M61.67B
Long-Term Debt % of Revenue i109.3%296.4%
Total Shareholders Equity i203.63M54.47B
Retained Earnings i207.28M59.28B
Retained Earnings % of Revenue i233.3%284.9%
Property, Plant & Equipment i1.02MN/A

Cash Flow Statement Comparison

MetricFUNC (2025)PNC (2024)
Operating Cash Flow i16.30M7.96B
Operating Cash Flow % of Revenue i18.3%38.3%
Capital Expenditures i-3.97MN/A
Free Cash Flow i15.41M7.88B
FCF Margin i17.3%37.9%
Debt Repayment i-25.00M-23.75B
Common Stock Repurchase i0-1.19B

Short Interest & Institutional Ownership Analysis

MetricFUNCPNC
Shares Short i58,1674.98M
Short Ratio i4.172.41
Short % of Float i0.97%1.26%
Shares Outstanding i6.45M395.94M
Float Shares i5.93M392.38M
% Held by Insiders i7.71%0.38%
% Held by Institutions i48.79%85.29%
% Held by Public i43.50%14.33%

Dividend Analysis & Yield Comparison: First United Corporation vs PNC Financial Services Group, Inc.

MetricFUNCPNC
Last 12-Month Dividend i$1.22$6.70
Last 12-Month Dividend Yield i3.37%3.02%
3-Year Avg Annual Dividend i$0.95$6.40
3-Year Avg Dividend Yield i0.86%1.00%
3-Year Total Dividends i$2.86$19.20
Ex-Dividend DateApr 17, 2026Jan 20, 2026