MCB vs. FUNC
MCB (Metropolitan Bank Holding Corp.) and FUNC (First United Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, MCB returned 5.70%/yr vs 24.66%/yr for FUNC. Their 0.32 correlation means their historical movements had little consistent relationship.
Performance
MCB vs. FUNC - Performance Comparison
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Returns By Period
In the year-to-date period, MCB achieves a 22.19% return, which is significantly higher than FUNC's 20.19% return.
MCB
- 1D
- 0.01%
- 1M
- -5.79%
- 6M
- 0.53%
- YTD
- 22.19%
- 1Y
- 36.00%
- 3Y*
- 26.71%
- 5Y*
- 5.70%
- 10Y*
- —
- ALL TIME*
- 10.58%
FUNC
- 1D
- 0.68%
- 1M
- -0.30%
- 6M
- 16.63%
- YTD
- 20.19%
- 1Y
- 41.62%
- 3Y*
- 41.38%
- 5Y*
- 24.66%
- 10Y*
- 18.95%
- ALL TIME*
- 5.23%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $1.53M | $1.27M | $1.04M | |
| $19.86M | $15.77M | $13.27M |
MCB vs. FUNC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
MCB Metropolitan Bank Holding Corp. | 22.19% | 31.32% | 5.45% | -5.61% | -44.93% | 193.71% | -24.80% | 56.34% | -26.72% | 8.09% |
FUNC First United Corporation | 20.19% | 14.29% | 48.25% | 25.24% | 8.04% | 25.12% | -33.27% | 54.43% | -7.20% | -2.25% |
Correlation
The correlation between MCB and FUNC is 0.61, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.61 |
Correlation (3Y) Balances recent behavior with more history. | 0.49 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.39 |
Correlation (All Time) Calculated using the full available price history since Nov 8, 2017 | 0.32 |
Over the past year, MCB and FUNC have become more correlated (0.61) than their long-term average of 0.32, meaning their price movements have been converging.
Fundamentals
MCB:
$967.30M
FUNC:
$284.87M
MCB:
$8.01
FUNC:
$3.90
MCB:
11.55
FUNC:
11.31
MCB:
5.64
FUNC:
0.95
MCB:
1.82
FUNC:
2.36
MCB:
$550.95M
FUNC:
$121.46M
MCB:
$141.54M
FUNC:
$86.21M
MCB:
$168.76M
FUNC:
$36.69M
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Return for Risk
MCB vs. FUNC — Risk / Return Rank
MCB
FUNC
MCB vs. FUNC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Metropolitan Bank Holding Corp. (MCB) and First United Corporation (FUNC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| MCB | FUNC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.39 | ||
| Sortino ratioReturn per unit of downside risk | -0.57 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.26 | -0.06 |
| Calmar ratioReturn relative to maximum drawdown | 1.75 | 2.74 | -0.99 |
| Martin ratioReturn relative to average drawdown | 4.01 | 6.03 | -2.03 |
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Drawdowns
MCB vs. FUNC - Drawdown Comparison
The maximum MCB drawdown since its inception was -82.30%, roughly equal to the maximum FUNC drawdown of -85.84%. Use the drawdown chart below to compare losses from any high point for MCB and FUNC.
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Drawdown Indicators
| MCB | FUNC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -82.30% | -85.84% | +3.54% |
Max Drawdown (1Y)Largest decline over 1 year | -18.71% | -13.90% | -4.81% |
Max Drawdown (3Y)Largest decline over 3 years | -42.34% | -37.76% | -4.58% |
Max Drawdown (5Y)Largest decline over 5 years | -82.30% | -44.90% | -37.40% |
Max Drawdown (10Y)Largest decline over 10 years | — | -54.91% | — |
Current DrawdownCurrent decline from peak | -16.51% | -3.87% | -12.64% |
Average DrawdownAverage peak-to-trough decline | -33.17% | -30.85% | -2.32% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.16% | 6.31% | +1.85% |
Volatility
MCB vs. FUNC - Volatility Comparison
Metropolitan Bank Holding Corp. (MCB) has a higher volatility of 11.64% compared to First United Corporation (FUNC) at 6.58%. This indicates that MCB's price experiences larger fluctuations and is considered to be riskier than FUNC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| MCB | FUNC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.64% | 6.58% | +5.06% |
Volatility (6M)Calculated over the trailing 6-month period | 22.11% | 17.12% | +4.99% |
Volatility (1Y)Calculated over the trailing 1-year period | 34.14% | 28.25% | +5.89% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 58.85% | 29.72% | +29.13% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 56.00% | 32.82% | +23.18% |
Dividends
MCB vs. FUNC - Dividend Comparison
MCB's dividend yield for the trailing twelve months is around 1.03%, less than FUNC's 2.36% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
FUNC First United Corporation | 2.36% | 2.46% | 2.43% | 3.32% | 3.05% | 3.09% | 3.35% | 1.66% | 1.70% |
MCB Metropolitan Bank Holding Corp. | 1.03% | 0.39% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
MCB vs. FUNC - Financials Comparison
This section allows you to compare key financial metrics between Metropolitan Bank Holding Corp. and First United Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
MCB vs. FUNC - Profitability Comparison
MCB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Metropolitan Bank Holding Corp. reported a gross profit of -90.79M and revenue of 138.36M. Therefore, the gross margin over that period was -65.6%.
FUNC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, First United Corporation reported a gross profit of 22.41M and revenue of 30.93M. Therefore, the gross margin over that period was 72.5%.
MCB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Metropolitan Bank Holding Corp. reported an operating income of -44.39M and revenue of 138.36M, resulting in an operating margin of -32.1%.
FUNC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, First United Corporation reported an operating income of 8.84M and revenue of 30.93M, resulting in an operating margin of 28.6%.
MCB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Metropolitan Bank Holding Corp. reported a net income of 19.22M and revenue of 138.36M, resulting in a net margin of 13.9%.
FUNC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, First United Corporation reported a net income of 6.66M and revenue of 30.93M, resulting in a net margin of 21.5%.
Frequently Asked Questions
MCB and FUNC have a correlation of 0.61, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
MCB has higher volatility (11.64%) compared to FUNC (6.58%). In terms of maximum drawdown, MCB dropped -82.30% vs FUNC's -85.84%.
FUNC currently has the higher Sharpe Ratio (1.35 vs 0.96), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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