FUNC vs MSADF: Earnings, Dividends & Valuation

First United Corporation FUNC | NASDAQ

$46.76 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $301.84 M

PE Ratio: 11.99

52-Week Range: $35.02 - $48.07

10-year Total Return: +388.9%

Dividend Yield (FWD): 2.40%

MS&AD Insurance Group Holdings, Inc. MSADF | OTC

$32.75 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $299.79 M

PE Ratio: 8.38

52-Week Range: $20.65 - $35.35

10-year Total Return: +464.1%

Dividend Yield (FWD): 3.29%

10-year Total Returns with DRIP & Price Chart for FUNC and MSADF

1Y 2Y 5Y 10Y All

10-yr Total Returns FUNC vs MSADF

	FUNC	MSADF
Initial Balance	$10,000	$10,000
Initial Price	$12.2	$9.72
Initial Shares	819.67	1028.81

Total Dividends	$4,983	$11,945
Last Dividend	$0.28	$0.5405
Estimated Divs	$293 / quarter	$931 / 6 months
Yield-on-Cost	9.18%	11.12%
End Shares	1045.49 (+225.82)	1722.55 (+693.74)
Last Shares Price	$46.76	$32.75
Total End Value	$48,887	$56,413
Total Return	+388.9%	+464.1%
Comparison start date: Nov 14, 2016

FUNC & MSADF Dividend Charts

Dividend Payments & Yield - FUNC

FUNC Dividend CAGR:1Y: 0.00%2Y: 8.71%5Y: 11.60%10Y: 11.56%

Dividend Payments & Yield - MSADF

MSADF Dividend CAGR:1Y: 10.79%2Y: 5.65%5Y: 18.55%10Y: 10.22%

Dividend Payout Ratio - FUNC

Dividend Payout Ratio - MSADF

Dividend to Free Cash Flow (FCF) Ratio - FUNC

Dividend to Free Cash Flow (FCF) Ratio - MSADF

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Fundamentals: Revenue, Earnings, Cash Flow, EBITDA & Shares Outstanding:

MSADF reports in JPY. These charts show U.S. dollars, converted from JPY at each quarter’s closing rate (quarters that are still estimates use the latest rate). Click “Show JPY” to see the numbers as filed.

FUNC - Revenue

FUNC Revenue CAGR:1Y: 43.59%2Y: 7.31%5Y: 12.32%10Y: 9.38%

MSADF - RevenueShow JPY

MSADF Revenue CAGR:1Y: 0.95%2Y: 1,321.63%5Y: 3.42%10Y: 1.22%

FUNC - Earnings Per Share (EPS)

FUNC EPS CAGR:1Y: 3.74%2Y: 11.68%5Y: 10.96%10Y: 14.36%

MSADF - Earnings Per Share (EPS)Show JPY

MSADF EPS CAGR:1Y: 36.40%2Y: 32.03%5Y: 199.79%10Y: 21.21%

FUNC - Net Income

FUNC Net Income CAGR:1Y: 3.35%2Y: 11.55%5Y: 10.35%10Y: 14.62%

MSADF - Net IncomeShow JPY

MSADF Net Income CAGR:1Y: 29.76%2Y: 1,495.28%5Y: 13.42%10Y: 18.47%

FUNC - EBITDA

FUNC EBITDA CAGR:1Y: -5.46%2Y: 5.38%5Y: 7.17%10Y: 10.06%

MSADF - EBITDAShow JPY

MSADF EBITDA CAGR:1Y: 18,778.87%2Y: 1,508.71%5Y: 12.94%10Y: 19.02%

FUNC - Free Cash Flow

FUNC Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

MSADF - Free Cash FlowShow JPY

MSADF Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FUNC - Free Cash Flow / Share

FUNC Free Cash Flow / Share CAGR:1Y: 3,409.46%2Y: 216.14%5Y: 10.02%10Y: 12.32%

MSADF - Free Cash Flow / ShareShow JPY

MSADF Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FUNC - Shares Outstanding

FUNC Shares Outstanding CAGR:1Y: -0.68%2Y: -0.14%5Y: -0.49%10Y: 0.31%

MSADF - Shares Outstanding

MSADF Shares Outstanding CAGR:1Y: -4.17%2Y: 1,091.14%5Y: -2.85%10Y: -2.19%

FUNC - Stock-Based Comp

FUNC Stock-Based Comp CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%

MSADF - Stock-Based CompShow JPY

MSADF Stock-Based Comp CAGR:1Y: N/A2Y: N/A5Y: N/A10Y: N/A

FUNC - Expenses

FUNC Expenses CAGR:1Y: 0.63%2Y: 0.97%5Y: 8.56%10Y: 3.08%

MSADF - ExpensesShow JPY

MSADF Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

FUNC - REVENUE: Actual + Estimates

FUNC Actual Revenue CAGR:1Y: 43.59%2Y: 7.31%5Y: 12.32%10Y: 9.38%

MSADF - REVENUE: Actual + EstimatesShow JPY

MSADF Actual Revenue CAGR:1Y: 0.95%2Y: 1,321.63%5Y: 3.42%10Y: 1.22%

FUNC - EPS: Actual + Estimates

FUNC Actual EPS CAGR:1Y: 3.74%2Y: 11.68%5Y: 10.96%10Y: 14.36%

MSADF - EPS: Actual + EstimatesShow JPY

MSADF Actual EPS CAGR:1Y: 36.40%2Y: 32.03%5Y: 199.79%10Y: 21.21%

FUNC - NET INCOME: Actual + Estimates

FUNC Actual Net Income CAGR:1Y: 3.35%2Y: 11.55%5Y: 10.35%10Y: 14.62%

MSADF - NET INCOME: Actual + EstimatesShow JPY

MSADF Actual Net Income CAGR:1Y: 29.76%2Y: 1,495.28%5Y: 13.42%10Y: 18.47%

FUNC - EBITDA: Actual + Estimates

FUNC Actual EBITDA CAGR:1Y: -5.46%2Y: 5.38%5Y: 7.17%10Y: 10.06%

MSADF - EBITDA: Actual + EstimatesShow JPY

MSADF Actual EBITDA CAGR:1Y: 18,778.87%2Y: 1,508.71%5Y: 12.94%10Y: 19.02%

Ratios, Profit Margins & Return on Capital:

FUNC - Net Profit Margin

FUNC Net Profit Margin CAGR:1Y: -1.48%2Y: 3.94%5Y: -1.75%10Y: 4.79%

MSADF - Net Profit Margin

MSADF Net Profit Margin CAGR:1Y: 31.64%2Y: 12.21%5Y: 9.54%10Y: 9.11%

FUNC - Gross Profit Margin

FUNC Gross Profit Margin CAGR:1Y: -0.14%2Y: 0.52%5Y: 5.96%10Y: 4.35%

MSADF - Gross Profit Margin

MSADF Gross Profit Margin CAGR:1Y: -32.24%2Y: -15.70%5Y: -7.10%10Y: 0.00%

FUNC - Price to Earnings

MSADF - Price to Earnings

FUNC - Price To Sales Ratio

MSADF - Price To Sales Ratio

FUNC - Return on Capital Employed

MSADF - Return on Capital Employed

FUNC - Return on Invested Capital

MSADF - Return on Invested Capital

Combined Charts: Earnings, Cash Flow, Valuation, Cash & Debt:

FUNC - EPS vs PE Ratio

MSADF - EPS vs PE RatioShow JPY

FUNC - FCF vs FCF/Share

MSADF - FCF vs FCF/ShareShow JPY

FUNC - EPS vs FCF per Share

MSADF - EPS vs FCF per ShareShow JPY

FUNC - FCF vs Stock Based Comp

MSADF - FCF vs Stock Based CompShow JPY

FUNC - Revenue vs Net Income

MSADF - Revenue vs Net IncomeShow JPY

FUNC - Cash & Debt

MSADF - Cash & DebtShow JPY

Dividend History Tables

FUNC Dividends Info:

Estimated Annual Dividend: $1.12

Forward Yield: 2.4%

Ex-Dividend Date: 2026-10-19

Lifetime Dividends / Share: $16.91

FUNC Dividend History: Dates, Payments & Yield list

Below is a schedule of all FUNC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
10/19/2026	10/21/2026	$0.280	2.57%	2.54%	$44.08
07/20/2026	07/22/2026	$0.260	2.33%	2.36%	$43.98
04/17/2026	04/20/2026	$0.260	2.76%	2.77%	$37.48
01/16/2026	01/19/2026	$0.260	2.74%	2.63%	$39.56
10/17/2025	10/20/2025	$0.260	3.06%	3.01%	$34.59
07/18/2025	07/21/2025	$0.220	2.53%	2.46%	$35.76
04/17/2025	04/21/2025	$0.220	3.14%	3.09%	$28.50
01/17/2025	01/20/2025	$0.220	2.67%	2.73%	$32.20
10/18/2024	10/21/2024	$0.220	2.79%	2.81%	$31.32
07/18/2024	07/22/2024	$0.200	3.37%	3.33%	$24.01
04/16/2024	04/18/2024	$0.200	3.63%	3.62%	$22.10
01/17/2024	01/19/2024	$0.200	3.65%	3.48%	$23.00
10/17/2023	10/19/2023	$0.200	4.85%	4.85%	$16.50
07/17/2023	07/19/2023	$0.200	5.01%	4.88%	$16.40
04/14/2023	04/17/2023	$0.200	4.77%	4.86%	$16.45
01/12/2023	01/16/2023	$0.180	3.67%	3.72%	$19.36
10/17/2022	11/01/2022	$0.150	3.4%	3.18%	$18.85
07/15/2022	08/01/2022	$0.150	3.5%	3.25%	$18.46
04/14/2022	05/02/2022	$0.150	2.62%	2.71%	$22.13
01/13/2022	02/01/2022	$0.150	2.97%	3.03%	$19.80
10/15/2021	11/01/2021	$0.150	3.29%	3.13%	$19.18
07/16/2021	08/02/2021	$0.150	3.63%	3.48%	$17.26
04/16/2021	05/03/2021	$0.150	3.55%	3.42%	$17.55
01/14/2021	02/01/2021	$0.130	3.02%	3.31%	$15.72
10/15/2020	11/02/2020	$0.130	3.98%	4.16%	$12.51
07/16/2020	08/03/2020	$0.130	4.53%	4.71%	$11.04
04/16/2020	05/01/2020	$0.130	3.94%	3.33%	$15.60
01/14/2020	02/03/2020	$0.130	2.17%	2.18%	$23.90
10/15/2019	11/01/2019	$0.130	2.24%	2.23%	$23.37
07/16/2019	08/01/2019	$0.090	0.92%	1.72%	$20.89
04/16/2019	05/01/2019	$0.090	0.98%	1.91%	$18.80
01/14/2019	02/01/2019	$0.090	1.08%	2.2%	$16.37
10/12/2018	11/01/2018	$0.090	0.98%	1.97%	$18.29
07/13/2018	08/01/2018	$0.090	0.94%	1.89%	$19.05
04/13/2018	05/02/2018	$0.090	0.93%	0.94%	$19.25
10/08/2010	11/01/2010	$0.010	0.92%	0.95%	$4.20
07/12/2010	08/02/2010	$0.010	0.94%	1.01%	$3.97
04/12/2010	04/30/2010	$0.010	0.66%	0.6%	$6.65
01/11/2010	02/01/2010	$0.100	6.71%	6.78%	$5.90
10/09/2009	11/02/2009	$0.200	7.17%	7.19%	$11.12
07/10/2009	07/31/2009	$0.200	7.51%	6.91%	$11.58
04/09/2009	05/01/2009	$0.200	8.62%	7.62%	$10.50
01/22/2009	02/01/2009	$0.200	5.95%	6.53%	$12.25
10/08/2008	11/01/2008	$0.200	4.38%	4.6%	$17.38
07/10/2008	08/01/2008	$0.200	4.71%	4.45%	$17.99
04/10/2008	05/01/2008	$0.200	4.12%	4.19%	$19.09
01/10/2008	02/01/2008	$0.200	4.05%	4.1%	$19.49
10/11/2007	11/01/2007	$0.195	3.78%	4.09%	$19.05
07/12/2007	08/01/2007	$0.195	3.85%	4.15%	$18.81
04/12/2007	05/01/2007	$0.195	3.43%	3.28%	$23.75
01/10/2007	02/01/2007	$0.195	3.55%	3.38%	$23.05
10/12/2006	11/01/2006	$0.190	3.55%	3.47%	$21.89
07/13/2006	08/01/2006	$0.190	3.66%	3.7%	$20.55
04/12/2006	05/01/2006	$0.190	3.41%	3.31%	$22.99
01/11/2006	02/01/2006	$0.190	3.62%	3.51%	$21.66
10/12/2005	11/01/2005	$0.185	3.82%	3.77%	$19.65
07/13/2005	08/01/2005	$0.185	3.65%	3.64%	$20.35
04/13/2005	05/01/2005	$0.185	3.72%	3.82%	$19.35
01/12/2005	02/01/2005	$0.185	3.63%	3.63%	$20.40
10/13/2004	11/01/2004	$0.180	3.48%	3.42%	$21.04
07/14/2004	08/01/2004	$0.180	3.6%	3.55%	$20.30
04/14/2004	05/01/2004	$0.180	3.07%	3.19%	$22.55
01/14/2004	02/01/2004	$0.180	2.7%	2.83%	$25.40
10/15/2003	11/01/2003	$0.175	3.01%	2.99%	$23.40
07/16/2003	08/01/2003	$0.175	3.21%	3.04%	$23.02
04/15/2003	05/01/2003	$0.175	3.16%	3.05%	$22.96
01/15/2003	02/01/2003	$0.175	4.12%	4.07%	$17.19
10/16/2002	11/01/2002	$0.170	4.45%	4.19%	$16.21
07/17/2002	08/01/2002	$0.170	3.82%	4.1%	$16.60
04/17/2002	05/01/2002	$0.170	4.11%	4.06%	$16.74
01/16/2002	02/01/2002	$0.170	4.13%	4.16%	$16.35
10/17/2001	11/01/2001	$0.165	4.02%	3.88%	$16.99
07/18/2001	08/01/2001	$0.165	4.8%	4.21%	$15.69
04/18/2001	05/01/2001	$0.165	5.14%	5.08%	$13.00
01/17/2001	02/01/2001	$0.165	5.74%	5.03%	$13.13
10/18/2000	11/01/2000	$0.160	6.24%	5.95%	$10.75
07/18/2000	08/01/2000	$0.160	6.13%	6.06%	$10.56
04/18/2000	05/01/2000	$0.160	6.32%	6.24%	$10.25
01/18/2000	02/01/2000	$0.160	5.2%	4.97%	$12.88
10/18/1999	11/01/1999	$0.155	4.28%	4.28%	$14.50
07/16/1999	08/01/1999	$0.155	4.07%	4.03%	$15.38
04/16/1999	05/01/1999	$0.155	4.07%	3.84%	$16.13
01/15/1999	02/01/1999	$0.150	3.53%	3.5%	$17.13
10/16/1998	11/01/1998	$0.150	3.33%	2.79%	$21.50
07/16/1998	08/01/1998	$0.150	2.94%	2.96%	$20.25
04/16/1998	05/01/1998	$0.150	3.02%	2.98%	$20.13
01/15/1998	02/01/1998	$0.150	3.33%	3.29%	$18.25
10/16/1997	11/01/1997	$0.140	3.15%	3.03%	$18.50
07/16/1997	08/01/1997	$0.140	3.15%	3.22%	$17.38
04/15/1997	05/01/1997	$0.140	3.37%	3.29%	$17.00
01/16/1997	02/01/1997	$0.140	3.73%	3.5%	$16.00
10/15/1996	11/01/1996	$0.130	3.53%	3.53%	$14.75
07/17/1996	08/01/1996	$0.130	3.85%	3.65%	$14.25
04/15/1996	05/01/1996	$0.130	3.47%	3.41%	$15.25
01/16/1996	02/01/1996	$0.124	3.47%	3.47%	$14.29
10/19/1995	11/01/1995	$0.114	2.95%	2.74%	$16.67
07/20/1995	08/01/1995	$0.114	3.15%	2.91%	$15.71
04/18/1995	05/01/1995	$0.114	2.59%	2.4%	$19.05
01/17/1995	02/01/1995	$0.114	2.29%	2.23%	$20.48
10/17/1994	11/01/1994	$0.114	3.1%	2.59%	$17.62
07/15/1994	08/01/1994	$0.114	2.59%	2.53%	$18.10
04/15/1994	05/01/1994	$0.095	0.91%	1.03%	$18.57
01/11/1994	02/01/1994	$0.102	0.98%	0.91%	$22.22
07/16/1993	08/02/1993	$0.095	2.79%	2.5%	$15.24
04/12/1993	05/01/1993	$0.095	1.62%	1.71%	$11.11
01/15/1993	02/01/1993	$0.095	1.71%	1.56%	$12.22
10/07/1992	11/02/1992	$0.095	1.85%	1.82%	$10.48

MSADF Dividends Info:

Estimated Annual Dividend: $1.07644

Forward Yield: 3.29%

Ex-Dividend Date: 2027-03-30

Lifetime Dividends / Share: $11.11

MSADF Dividend History: Dates, Payments & Yield list

Below is a schedule of all MSADF dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
03/30/2027	03/30/2027	$0.538	3.45%	0%	$0.00
09/30/2026	10/02/2026	$0.541	3.34%	3.43%	$31.53
09/29/2026	10/01/2026	$0.540	3.55%	3.34%	$32.37
03/31/2026	06/23/2026	$0.519	4.25%	3.47%	$29.91
03/30/2026	04/01/2026	$0.514	4.22%	4.22%	$24.38
09/30/2025	12/04/2025	$0.524	4.51%	4.61%	$22.73
09/29/2025	10/01/2025	$0.519	4.47%	4.47%	$23.24
03/31/2025	06/24/2025	$0.484	4.33%	4.58%	$21.12
03/28/2025	03/31/2025	$0.480	4.05%	4.3%	$22.32
09/30/2024	12/04/2024	$0.510	4.46%	4.62%	$22.05
09/27/2024	09/30/2024	$0.501	4.67%	4.38%	$22.87
03/28/2024	04/01/2024	$0.088	0.99%	0.99%	$17.78
09/28/2023	10/02/2023	$0.089	1.36%	1.36%	$13.09
03/30/2023	04/03/2023	$0.084	1.52%	1.63%	$10.27
09/29/2022	12/05/2022	$0.231	4.76%	4.86%	$9.50
03/30/2022	06/28/2022	$0.267	4.94%	5.36%	$9.95
09/29/2021	12/06/2021	$0.246	4.23%	5.16%	$9.52
03/30/2021	06/29/2021	$0.242	4.64%	4.8%	$10.08
09/29/2020	12/07/2020	$0.237	5.28%	4.51%	$10.50
03/30/2020	06/26/2020	$0.231	4.18%	4.88%	$9.49
09/27/2019	12/04/2019	$0.231	4.18%	4.3%	$10.76
03/27/2019	06/25/2019	$0.211	4.22%	3.97%	$10.65
09/26/2018	12/05/2018	$0.206	3.75%	0%	$0.00
03/28/2018	06/26/2018	$0.204	3.87%	3.69%	$11.05
09/27/2017	12/05/2017	$0.192	3.51%	3.61%	$10.66
03/29/2017	06/27/2017	$0.630	11.36%	10.68%	$11.81
09/28/2016	12/06/2016	$0.166	3.39%	3.15%	$10.52
03/29/2016	06/23/2016	$0.162	3.64%	3.45%	$9.39
09/28/2015	12/04/2015	$0.097	2.19%	2.05%	$9.52
03/27/2015	06/23/2015	$0.101	2.12%	1.95%	$10.35
09/26/2014	12/05/2014	$0.088	2.39%	2.18%	$8.12
03/27/2014	06/24/2014	$0.091	2.47%	2.27%	$8.06
09/26/2013	12/10/2013	$0.094	2.14%	2.16%	$8.75
03/27/2013	06/27/2013	$0.095	2.57%	2.28%	$8.37
09/26/2012	12/07/2012	$0.116	3.92%	4%	$5.78
03/28/2012	06/27/2012	$0.109	3.21%	4.01%	$5.43
09/28/2011	12/09/2011	$0.118	3.28%	3.86%	$6.10
03/29/2011	06/30/2011	$0.109	2.83%	2.82%	$7.74
09/28/2010	12/10/2010	$0.107	2.79%	2.81%	$7.63
03/29/2010	06/30/2010	$0.097	2.15%	2.62%	$7.42
09/25/2009	12/10/2009	$0.100	2.18%	2.22%	$9.02
03/26/2009	06/26/2009	$0.091	2.26%	2.06%	$8.83
09/25/2008	12/11/2008	$0.085	0.75%	1.09%	$7.80
09/25/2007	12/13/2007	$0.020	0.14%	0%	$0.00
03/27/2007	06/28/2007	$0.023	0.14%	0.13%	$17.05
09/26/2006	12/14/2006	$0.017	0.1%	0%	$0.00
03/28/2006	06/29/2006	$0.026	0.16%	0%	$0.00
03/28/2005	06/29/2005	$0.030	0.23%	0%	$0.00
03/26/2004	06/30/2004	$0.027	0.2%	0%	$0.00
03/26/2003	06/30/2003	$0.021	0%	0%	$0.00
03/26/2002	06/28/2002	$0.019	0%	0%	$0.00
03/27/2001	06/29/2001	$0.019	0%	0%	$0.00
03/28/2000	06/30/2000	$0.022	0%	0%	$0.00

Projected Future Values & Dividends for FUNC & MSADF

Based on past 10 years performance, FUNC had share price CAGR of +14.96%, and dividend CAGR of +13.26%.

During same period MSADF had share price CAGR of +12.30%, and dividend CAGR of +10.79%.

Using these CAGR metrics, we can estimate that your initial $10,000 investment from 10 years ago, with dividends being reinvested (DRIP), is modelled to grow and collect dividends as follows:

Projection uses FUNC applied at 10.00% price / 10.00% dividend; MSADF applied at 10.00% price / 10.00% dividend.

	FUNC	MSADF
Start Value	$10,000	$10,000
Start Share Price	$46.76	$32.75
Start Shares	213.86	305.34

After 10 years:	FUNC	MSADF
Final Share Count	271.54	423.61
Dividends Payment	$0.73	$1.40
Annual Dividends	$789	$1,188
Share Price	$121.28	$84.95
Total Dividends	$4,379	$6,330
Final Value	$32,934	$35,984

Estimated Future Returns - FUNC

Estimated Future Returns - MSADF

Estimate Dividend Snowball and total future returns for FUNC and MSADF with our dividend (DRIP) calculator.

Above numbers are merely projections based on Dividend and Price CAGR for each stock, and should only be considered as 'potential future returns'! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these metrics.

Compare Stocks: FUNC vs MSADF