First United Stock Net Income
| FUNC Stock | USD 38.13 1.00 2.69% |
As of the 29th of January, First United shows the Coefficient Of Variation of 3686.87, downside deviation of 1.94, and Mean Deviation of 1.2. First United technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.
First United Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.9026 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 23.7 M | 24.8 M | |
| Net Income Applicable To Common Shares | 28.8 M | 30.2 M | |
| Net Income From Continuing Ops | 23.7 M | 13.3 M | |
| Net Income Per Share | 2.84 | 2.98 | |
| Net Income Per E B T | 0.68 | 0.57 |
First | Net Income | Build AI portfolio with First Stock |
Latest First United's Net Income Growth Pattern
Below is the plot of the Net Income of First United over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in First United financial statement analysis. It represents the amount of money remaining after all of First United operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is First United's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in First United's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 20.57 M | 10 Years Trend |
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Net Income |
| Timeline |
First Net Income Regression Statistics
| Arithmetic Mean | 12,781,025 | |
| Geometric Mean | 10,568,693 | |
| Coefficient Of Variation | 59.52 | |
| Mean Deviation | 6,337,670 | |
| Median | 12,991,000 | |
| Standard Deviation | 7,607,465 | |
| Sample Variance | 57.9T | |
| Range | 21.4M | |
| R-Value | 0.91 | |
| Mean Square Error | 10.9T | |
| R-Squared | 0.82 | |
| Slope | 1,367,591 | |
| Total Sum of Squares | 926T |
First Net Income History
Other Fundumenentals of First United
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
First United Net Income component correlations
First Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for First United is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Net Income. Since First United's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First United's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First United's interrelated accounts and indicators.
Click cells to compare 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 0.202 | Dividend Share 0.92 | Earnings Share 3.84 | Revenue Per Share | Quarterly Revenue Growth 0.11 |
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.
First United 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to First United's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of First United.
| 10/31/2025 |
| 01/29/2026 |
If you would invest 0.00 in First United on October 31, 2025 and sell it all today you would earn a total of 0.00 from holding First United or generate 0.0% return on investment in First United over 90 days. First United is related to or competes with Investar Holding, LCNB, Oak Valley, CF Financial, FVCBankcorp, First Savings, and Virginia National. First United Corporation operates as the bank holding company for First United Bank Trust that provides various retail a... More
First United Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure First United's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess First United upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.94 | |||
| Information Ratio | (0.02) | |||
| Maximum Drawdown | 11.47 | |||
| Value At Risk | (2.74) | |||
| Potential Upside | 2.92 |
First United Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for First United's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as First United's standard deviation. In reality, there are many statistical measures that can use First United historical prices to predict the future First United's volatility.| Risk Adjusted Performance | 0.0258 | |||
| Jensen Alpha | (0.03) | |||
| Total Risk Alpha | (0.12) | |||
| Sortino Ratio | (0.01) | |||
| Treynor Ratio | 0.0356 |
First United January 29, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0258 | |||
| Market Risk Adjusted Performance | 0.0456 | |||
| Mean Deviation | 1.2 | |||
| Semi Deviation | 1.83 | |||
| Downside Deviation | 1.94 | |||
| Coefficient Of Variation | 3686.87 | |||
| Standard Deviation | 1.78 | |||
| Variance | 3.16 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | (0.03) | |||
| Total Risk Alpha | (0.12) | |||
| Sortino Ratio | (0.01) | |||
| Treynor Ratio | 0.0356 | |||
| Maximum Drawdown | 11.47 | |||
| Value At Risk | (2.74) | |||
| Potential Upside | 2.92 | |||
| Downside Variance | 3.76 | |||
| Semi Variance | 3.34 | |||
| Expected Short fall | (1.11) | |||
| Skewness | (0.27) | |||
| Kurtosis | 2.98 |
First United Backtested Returns
At this point, First United is very steady. First United secures Sharpe Ratio (or Efficiency) of 0.11, which denotes the company had a 0.11 % return per unit of risk over the last 3 months. We have found thirty technical indicators for First United, which you can use to evaluate the volatility of the firm. Please confirm First United's Mean Deviation of 1.2, downside deviation of 1.94, and Coefficient Of Variation of 3686.87 to check if the risk estimate we provide is consistent with the expected return of 0.19%. First United has a performance score of 8 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 1.07, which means a somewhat significant risk relative to the market. First United returns are very sensitive to returns on the market. As the market goes up or down, First United is expected to follow. First United right now shows a risk of 1.8%. Please confirm First United maximum drawdown, accumulation distribution, relative strength index, as well as the relationship between the semi variance and day typical price , to decide if First United will be following its price patterns.
Auto-correlation | -0.48 |
Modest reverse predictability
First United has modest reverse predictability. Overlapping area represents the amount of predictability between First United time series from 31st of October 2025 to 15th of December 2025 and 15th of December 2025 to 29th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of First United price movement. The serial correlation of -0.48 indicates that about 48.0% of current First United price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.48 | |
| Spearman Rank Test | -0.51 | |
| Residual Average | 0.0 | |
| Price Variance | 1.7 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
First Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, First United reported net income of 20.57 M. This is 98.39% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 96.4% higher than that of the company.
First Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First United's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First United could also be used in its relative valuation, which is a method of valuing First United by comparing valuation metrics of similar companies.First United is currently under evaluation in net income category among its peers.
First United ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First United's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First United's managers, analysts, and investors.Environmental | Governance | Social |
First United Institutional Holders
Institutional Holdings refers to the ownership stake in First United that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of First United's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First United's value.| 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 Fundamentals
| Return On Equity | 0.13 | |||
| Return On Asset | 0.0127 | |||
| Profit Margin | 0.30 % | |||
| Operating Margin | 0.43 % | |||
| Current Valuation | 263.34 M | |||
| Shares Outstanding | 6.5 M | |||
| Shares Owned By Insiders | 8.01 % | |||
| Shares Owned By Institutions | 47.23 % | |||
| Number Of Shares Shorted | 43.73 K | |||
| Price To Earning | 10.31 X | |||
| Price To Book | 1.20 X | |||
| Price To Sales | 2.88 X | |||
| Revenue | 111.8 M | |||
| Gross Profit | 83.66 M | |||
| EBITDA | 31.02 M | |||
| Net Income | 20.57 M | |||
| Cash And Equivalents | 30.76 M | |||
| Cash Per Share | 4.62 X | |||
| Total Debt | 187.72 M | |||
| Debt To Equity | 11.04 % | |||
| Book Value Per Share | 30.64 X | |||
| Cash Flow From Operations | 22.28 M | |||
| Short Ratio | 1.61 X | |||
| Earnings Per Share | 3.84 X | |||
| Target Price | 42.0 | |||
| Number Of Employees | 291 | |||
| Beta | 0.54 | |||
| Market Capitalization | 241.23 M | |||
| Total Asset | 1.97 B | |||
| Retained Earnings | 189 M | |||
| Annual Yield | 0.03 % | |||
| Net Asset | 1.97 B | |||
| Last Dividend Paid | 0.92 |
About First United Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze First United's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First United using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First United based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether First United offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First United's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First United Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First United Stock:Check out First United Piotroski F Score and First United Altman Z Score analysis. For information on how to trade First Stock refer to our How to Trade First Stock guide.You can also try the Idea Analyzer module to analyze all characteristics, volatility and risk-adjusted return of Macroaxis ideas.
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 0.202 | Dividend Share 0.92 | Earnings Share 3.84 | Revenue Per Share | Quarterly Revenue Growth 0.11 |
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.