Cib Marine Bancshares (OTCMKTS:CIBH) & First United (NASDAQ:FUNC) Financial Review

First United (NASDAQ:FUNC) and Cib Marine Bancshares (OTCMKTS:CIBH) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, valuation, institutional ownership, dividends, risk and earnings.

Profitability

This table compares First United and Cib Marine Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First United	20.19%	13.33%	1.28%
Cib Marine Bancshares	N/A	N/A	N/A

Valuation & Earnings

This table compares First United and Cib Marine Bancshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First United	$121.42 million	1.93	$24.51 million	$3.77	9.57
Cib Marine Bancshares	$50.14 million	1.05	$1.53 million	$1.12	34.38

First United has higher revenue and earnings than Cib Marine Bancshares. First United is trading at a lower price-to-earnings ratio than Cib Marine Bancshares, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

First United has a beta of 0.54, meaning that its share price is 46% less volatile than the S&P 500. Comparatively, Cib Marine Bancshares has a beta of 0.23, meaning that its share price is 77% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current recommendations for First United and Cib Marine Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First United	0	0	1	0	3.00
Cib Marine Bancshares	0	0	0	0	0.00

Insider and Institutional Ownership

33.3% of First United shares are owned by institutional investors. 7.9% of First United shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

First United beats Cib Marine Bancshares on 12 of the 13 factors compared between the two stocks.

About First United

First United Corporation operates as the bank holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals. It offers various deposit products, which includes checking, savings, money market deposit, and regular and individual retirement accounts (IRAs), as well as certificates of deposit. The company loan portfolio includes commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings, such as restaurants and motels, retail buildings, and general purpose business space; residential mortgage loans; home equity lines of credit; residential real estate construction loans; and indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. It also offers access to multi-million-dollar certificates of deposit and the Intrafi cash service, including multi-million-dollar savings and demand deposits to municipalities, businesses, and consumers; and treasury management, cash sweep, and various checking services. In addition, the company provides trust services, which includes personal trust, investment agency accounts, charitable trusts, retirement accounts, including IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning; and insurance products, brokerage services, and safe deposit and night depository facilities. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.

About Cib Marine Bancshares

CIB Marine Bancshares, Inc. operates as the bank holding company for CIBM Bank that provides commercial banking services to individual and business customers in Illinois, Indiana, and Wisconsin. It provides deposit accounts comprising checking, savings, and time deposits. The company offers a range of loan products, such as commercial, commercial real estate, commercial and residential construction, government guaranteed, one-to-four family residential real estate, home equity, and consumer loans, as well as commercial and standby letters of credit. In addition, it provides trust services; cash management; repurchase agreements; mortgage; and other banking services. Further, the company invests in securities. The company was formerly known as Central Illinois Bancorp, Inc. and changed its name to CIB Marine Bancshares, Inc. in August 1999. CIB Marine Bancshares, Inc. was incorporated in 1985 and is based in Brookfield, Wisconsin.