First United Stock Market Outlook
| FUNC Stock | USD 37.74 0.88 2.28% |
About 59% of all First United's shareholders are looking to take a long position. The analysis of overall sentiment of trading First United stock suggests that some investors are interested at this time. The current market sentiment, together with First United's historical and current headlines, can help investors time the market. In addition, many technical investors use First United stock news signals to limit their universe of possible portfolio assets.
Comfort Level 59
Interested
Panic | Confidence |
Today, several news technology companies offer sentiment data to assist traders in manufacturing news sentiment indicators for investment decisions. We partner with these technology firms in helping retail investors build forecasting models that use First United's input sentiment indicators derived from textual data and news published on major financial information outlets and social sites. These indicators can be used to analyze time-dependent numerical information representing public perception toward First United.
News SentimentBullish | Hype SentimentBearish | Insider SentimentAcquiring |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding First United is 'Strong Hold'. Macroaxis provides First United buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding FUNC positions.
Execute First United Advice
The First recommendation should be used to complement the investment advice compiled from the current analysts' consensus on First United. Macroaxis does not own or have any residual interests in First United or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute First United's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Soft | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
For the selected time horizon First United has a Risk Adjusted Performance of 0.0596, Jensen Alpha of 0.0232, Total Risk Alpha of (0.1), Sortino Ratio of 0.0096 and Treynor Ratio of 0.1176First United advice module can be used to check and cross-verify current investment recommendation provided by analysts reviewing the company's potential to grow using all of fundamental, technical, data market data available at the time. To make sure First United is not overpriced, please confirm all First United fundamentals, including its debt to equity, market capitalization, and the relationship between the net income and earnings per share . Given that First United has a number of shares shorted of 45.57 K, we urge you to verify First United market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your prevailing risk tolerance and investing horizon.
First United Trading Alerts and Improvement Suggestions
| On 2nd of February 2026 First United paid $ 0.26 per share dividend to its current shareholders | |
| Latest headline from finance.yahoo.com: First United Moves to Buy Rationale Behind the Upgrade |
First United Returns Distribution Density
The distribution of First United's historical returns is an attempt to chart the uncertainty of First United's future price movements. The chart of the probability distribution of First United daily returns describes the distribution of returns around its average expected value. We use First United price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of First United returns is essential to provide solid investment analysis for First United.
| Mean Return | 0.12 | Value At Risk | -2.28 | Potential Upside | 3.21 | Standard Deviation | 1.80 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of First United historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
First Stock Institutional Investors
| Shares | State Street Corp | 2025-06-30 | 67.2 K | Northern Trust Corp | 2025-06-30 | 64.7 K | Pinnacle Holdings, Llc | 2025-06-30 | 59 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 55.8 K | Hillsdale Investment Management Inc. | 2025-06-30 | 52.5 K | Millennium Management Llc | 2025-06-30 | 36.7 K | Citadel Advisors Llc | 2025-06-30 | 36.5 K | Two Sigma Investments Llc | 2025-06-30 | 35.3 K | Angel Oak Capital Advisors, Llc | 2025-06-30 | 33.7 K | Dimensional Fund Advisors, Inc. | 2025-06-30 | 370.9 K | Vanguard Group Inc | 2025-06-30 | 344.6 K |
First United Cash Flow Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Change In Cash | (33.7M) | (41.4M) | (24.6M) | 28.6M | 32.9M | 34.5M | |
| Free Cash Flow | 18.9M | 23.0M | 22.1M | 20.4M | 23.4M | 17.5M | |
| Depreciation | 3.4M | 3.6M | 4.9M | 3.8M | 4.4M | 2.8M | |
| Other Non Cash Items | (2.8M) | (3.2M) | 1.6M | 24K | 27.6K | 26.2K | |
| Dividends Paid | 3.9M | 4.0M | (5.2M) | (5.4M) | (4.8M) | (4.6M) | |
| Capital Expenditures | 1.1M | 3.6M | 353K | 1.9M | 2.2M | 3.1M | |
| Net Income | 19.8M | 25.0M | 15.1M | 20.6M | 23.7M | 24.8M | |
| End Period Cash Flow | 115.7M | 74.3M | 49.8M | 78.3M | 90.1M | 59.3M | |
| Investments | (33.3M) | (168.5M) | (77.6M) | (38.4M) | (34.6M) | (36.3M) | |
| Net Borrowings | (61.5M) | 6.9M | 60.9M | 30.0M | 34.5M | 36.2M | |
| Change To Netincome | 270K | 594K | 1.3M | (769K) | (692.1K) | (657.5K) |
First United Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to First United or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that First United's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a First stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.02 | |
β | Beta against Dow Jones | 0.96 | |
σ | Overall volatility | 1.88 | |
Ir | Information ratio | 0.01 |
First United Volatility Alert
First United has relatively low volatility with skewness of -0.26 and kurtosis of 2.87. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure First United's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact First United's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.First United Fundamentals Vs Peers
Comparing First United's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze First United's direct or indirect competition across all of the common fundamentals between First United and the related equities. This way, we can detect undervalued stocks with similar characteristics as First United or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of First United's fundamental indicators could also be used in its relative valuation, which is a method of valuing First United by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare First United to competition |
| Fundamentals | First United | Peer Average |
| Return On Equity | 0.13 | -0.31 |
| Return On Asset | 0.0127 | -0.14 |
| Profit Margin | 0.30 % | (1.27) % |
| Operating Margin | 0.43 % | (5.51) % |
| Current Valuation | 228.35 M | 16.62 B |
| Shares Outstanding | 6.5 M | 571.82 M |
| Shares Owned By Insiders | 8.01 % | 10.09 % |
| Shares Owned By Institutions | 47.33 % | 39.21 % |
| Number Of Shares Shorted | 45.57 K | 4.71 M |
| Price To Earning | 10.31 X | 28.72 X |
| Price To Book | 1.23 X | 9.51 X |
| Price To Sales | 2.93 X | 11.42 X |
| Revenue | 119.41 M | 9.43 B |
| Gross Profit | 83.66 M | 27.38 B |
| EBITDA | 32.76 M | 3.9 B |
| Net Income | 20.57 M | 570.98 M |
| Cash And Equivalents | 30.76 M | 2.7 B |
| Cash Per Share | 4.62 X | 5.01 X |
| Total Debt | 115.95 M | 5.32 B |
| Debt To Equity | 11.04 % | 48.70 % |
| Book Value Per Share | 30.64 X | 1.93 K |
| Cash Flow From Operations | 22.28 M | 971.22 M |
| Short Ratio | 2.36 X | 4.00 X |
| Earnings Per Share | 3.68 X | 3.12 X |
| Target Price | 44.0 | |
| Number Of Employees | 291 | 18.84 K |
| Beta | 0.52 | -0.15 |
| Market Capitalization | 245.29 M | 19.03 B |
| Total Asset | 2.09 B | 29.47 B |
| Retained Earnings | 207.28 M | 9.33 B |
| Annual Yield | 0.02 % | |
| Net Asset | 2.09 B | |
| Last Dividend Paid | 0.92 |
Note: Acquisition by Rodeheaver Carissa Lynn of tradable shares of First United at 27.875 subject to Rule 16b-3 [view details]
First United Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as First . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 141.75 | |||
| Daily Balance Of Power | (1.22) | |||
| Rate Of Daily Change | 0.98 | |||
| Day Median Price | 38.06 | |||
| Day Typical Price | 37.95 | |||
| Market Facilitation Index | 1.0E-4 | |||
| Price Action Indicator | (0.76) | |||
| Period Momentum Indicator | (0.88) |
First United Target Price Consensus
First target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. First United's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| One | Buy |
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of First United, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationFirst United Target Price Projection
First United's current and average target prices are 37.74 and 44.00, respectively. The current price of First United is the price at which First United is currently trading. On the other hand, First United's target price is what analysts think the stock is worth. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
First United Market Quote on 12th of February 2026
Target Price
Analyst Consensus On First United Target Price
First United Analyst Ratings
First United's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about First United stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of First United's financials, market performance, and future outlook by experienced professionals. First United's historical ratings below, therefore, can serve as a valuable tool for investors.Analyst Consensus Breakdown
Average Consensus Estimates
About First United Buy or Sell Advice
When is the right time to buy or sell First United? Buying financial instruments such as First Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having First United in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Social Domain Thematic Idea Now
Social Domain
New or established large and mid-sized companies that are involved in the social media industry, including entities that provide web-based or mobile media applications and services across across large segment of population in multiple geographical areas. The Social Domain theme has 39 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Social Domain Theme or any other thematic opportunities.
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Check out First United Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade First Stock refer to our How to Trade First Stock guide.You can also try the Piotroski F Score module to get Piotroski F Score based on the binary analysis strategy of nine different fundamentals.
Will Regional Banks sector continue expanding? Could First diversify its offerings? Factors like these will boost the valuation of First United. Market participants price First higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every First United data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.07) | Dividend Share 0.92 | Earnings Share 3.68 | Revenue Per Share | Quarterly Revenue Growth 0.113 |
Understanding First United requires distinguishing between market price and book value, where the latter reflects First's accounting equity. The concept of intrinsic value - what First United's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push First United's price substantially above or below its fundamental value.
Please note, there is a significant difference between First United's value and its price as these two are different measures arrived at by different means. Investors typically determine if First United is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, First United's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.