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

FUNC has the lower trailing P/E: FUNC trades at 11.23 and PMTS at 21.51. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FUNC or PMTS?

Over the past five years, PMTS grew revenue faster — FUNC at a 9.73% CAGR versus PMTS at 10.96%.

Does FUNC or PMTS pay a bigger dividend?

FUNC pays a dividend (2.40% yield), while PMTS is a former payer with no current dividend run rate.

Is FUNC or PMTS more profitable?

FUNC runs the higher net margin — FUNC at 20.38% versus PMTS at 2.34%.

How have FUNC and PMTS total returns compared?

Over the past 10 years, FUNC delivered 16.71% and PMTS delivered -1.73% annualized total return. Past performance doesn't predict future results.

First United Corporation (FUNC) vs CPI Card Group Inc. (PMTS)

A side-by-side comparison of First United Corporation and CPI Card Group Inc. 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.

FUNC

First United Corporation

$280M

$43.35Financial ServicesDelayed quote: Oct 6, 2026, 3:17 PM EDT

PMTS

CPI Card Group Inc.

$284M

$24.74Financial ServicesDelayed quote: Oct 6, 2026, 3:20 PM EDT

Total return — FUNC vs PMTS

growth of $100 · dividends reinvested · last 10y

FUNC +363.4% (+16.6%/yr)PMTS -16.2% (-1.8%/yr)FUNC compounded faster over this window

Log scale — wide-divergence pair

FUNC PMTS

FUNC vs PMTS: by the numbers

•PMTS is the larger company ($284M vs $280M market cap).
•FUNC trades at the lower trailing earnings multiple (11.23 vs 21.51 P/E), one valuation lens rather than an overall verdict.
•FUNC converts more revenue to profit (20.38% vs 2.34% net margin).
•PMTS grew revenue faster over the past five years (10.96% vs 9.73% CAGR).
•FUNC pays a dividend (2.40% yield), while PMTS is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	FUNC	PMTS
P/E ratio	11.23	21.51
Forward P/E	9.74	8.29
PEG ratio	0.86	N/A
P/S ratio	2.28	0.48
P/B ratio	1.32	N/A
EV / EBITDA	N/A	6.92
FCF yield	N/A	26.96%

Profitability

Metric	FUNC	PMTS
Gross margin	N/A	30.97%
Operating margin	26.93%	9.22%
Net margin	20.38%	2.34%
ROE	11.80%	N/A
ROIC	N/A	11.81%

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	FUNC	PMTS
Dividend yield	2.40%	N/A
Payout ratio	26.94%	N/A

Growth (annualized)

Metric	FUNC	PMTS
Revenue CAGR (5Y)	9.73%	10.96%
EPS CAGR (5Y)	13.13%	-1.73%
FCF CAGR (5Y)	N/A	26.55%
Total return CAGR (5Y)	22.43%	-4.16%

Frequently asked

Which has the lower trailing P/E, FUNC or PMTS?: FUNC has the lower trailing P/E: FUNC trades at 11.23 and PMTS at 21.51. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FUNC or PMTS?: Over the past five years, PMTS grew revenue faster — FUNC at a 9.73% CAGR versus PMTS at 10.96%.
Does FUNC or PMTS pay a bigger dividend?: FUNC pays a dividend (2.40% yield), while PMTS is a former payer with no current dividend run rate.
Is FUNC or PMTS more profitable?: FUNC runs the higher net margin — FUNC at 20.38% versus PMTS at 2.34%.
How have FUNC and PMTS total returns compared?: Over the past 10 years, FUNC delivered 16.71% and PMTS delivered -1.73% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FUNC analysis Full PMTS analysis Interactive comparison tool

Dig into the metrics

First United P/E ratio CPI Card P/E ratio First United dividend yield First United ROE CPI Card ROE First United operating margin CPI Card operating margin First United revenue growth CPI Card revenue growth CPI Card free cash flow

First United & CPI Card appear in these rankings

Highest Dividend Yield Stocks Highest FCF Yield 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.