Which has the lower trailing P/E, FRAF or FUNC?

FUNC has the lower trailing P/E: FRAF trades at 11.49 and FUNC at 11.22. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FRAF or FUNC?

Over the past five years, FRAF grew revenue faster — FRAF at a 17.02% CAGR versus FUNC at 9.73%.

Does FRAF or FUNC pay a bigger dividend?

FRAF yields 2.13% and FUNC yields 2.40% based on trailing dividends and the latest price.

Is FRAF or FUNC more profitable?

FUNC runs the higher net margin — FRAF at 18.24% versus FUNC at 20.38%.

How have FRAF and FUNC total returns compared?

Over the past 10 years, FRAF delivered 13.94% and FUNC delivered 16.71% annualized total return. Past performance doesn't predict future results.

Franklin Financial Services Corporation (FRAF) vs First United Corporation (FUNC)

A side-by-side comparison of Franklin Financial Services Corporation and First United Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FRAF

Franklin Financial Services Corporation

$283M

$63.08Financial ServicesDelayed quote: Oct 6, 2026, 12:24 PM EDT

FUNC

First United Corporation

$279M

$43.29Financial ServicesDelayed quote: Oct 6, 2026, 12:24 PM EDT

Total return — FRAF vs FUNC

growth of $100 · dividends reinvested · last 10y

FRAF +268.7% (+13.9%/yr)FUNC +388.2% (+17.2%/yr)FUNC compounded faster over this window

FRAF FUNC

FRAF vs FUNC: by the numbers

•FRAF is the larger company ($283M vs $279M market cap).
•FUNC trades at the lower trailing earnings multiple (11.22 vs 11.49 P/E), one valuation lens rather than an overall verdict.
•FUNC converts more revenue to profit (20.38% vs 18.24% net margin).
•FRAF grew revenue faster over the past five years (17.02% vs 9.73% CAGR).
•FUNC pays the higher dividend yield (2.40% vs 2.13%).

Metrics side by side

Valuation

Metric	FRAF	FUNC
P/E ratio	11.49	11.22
Forward P/E	10.89	9.73
PEG ratio	1.14	0.86
P/S ratio	2.10	2.27
P/B ratio	1.54	1.32

Profitability

Metric	FRAF	FUNC
Operating margin	22.72%	26.93%
Net margin	18.24%	20.38%
ROE	13.41%	11.80%

Franklin Financial Services Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

First United Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FRAF	FUNC
Dividend yield	2.13%	2.40%
Payout ratio	24.41%	26.94%

Growth (annualized)

Metric	FRAF	FUNC
Revenue CAGR (5Y)	17.02%	9.73%
EPS CAGR (5Y)	10.03%	13.13%
Total return CAGR (5Y)	18.89%	22.43%

Frequently asked

Which has the lower trailing P/E, FRAF or FUNC?: FUNC has the lower trailing P/E: FRAF trades at 11.49 and FUNC at 11.22. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FRAF or FUNC?: Over the past five years, FRAF grew revenue faster — FRAF at a 17.02% CAGR versus FUNC at 9.73%.
Does FRAF or FUNC pay a bigger dividend?: FRAF yields 2.13% and FUNC yields 2.40% based on trailing dividends and the latest price.
Is FRAF or FUNC more profitable?: FUNC runs the higher net margin — FRAF at 18.24% versus FUNC at 20.38%.
How have FRAF and FUNC total returns compared?: Over the past 10 years, FRAF delivered 13.94% and FUNC delivered 16.71% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FRAF analysis Full FUNC analysis Interactive comparison tool

Dig into the metrics

Franklin Financial Services P/E ratio First United P/E ratio Franklin Financial Services dividend yield First United dividend yield Franklin Financial Services ROE First United ROE Franklin Financial Services operating margin First United operating margin Franklin Financial Services revenue growth First United revenue growth

Franklin Financial Services & First United appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.