First United Stock Analysis

FUNC Stock  USD 37.08  0.36  0.96%   
First United has over 187.72 Million in debt which may indicate that it relies heavily on debt financing. At present, First United's Net Debt To EBITDA is projected to decrease significantly based on the last few years of reporting. The current year's Debt To Equity is expected to grow to 2.11, whereas Net Debt is forecasted to decline to about 112.1 M. With a high degree of financial leverage come high-interest payments, which usually reduce First United's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

First United's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. First United's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps First Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect First United's stakeholders.
For most companies, including First United, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for First United, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, First United's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.2098
Book Value
30.645
Operating Margin
0.4309
Profit Margin
0.2979
Return On Assets
0.0127
At present, First United's Non Current Liabilities Total is projected to decrease significantly based on the last few years of reporting.
First United is fairly valued with Real Value of 37.27 and Target Price of 42.0. The main objective of First United stock analysis is to determine its intrinsic value, which is an estimate of what First United is worth, separate from its market price. There are two main types of First United's stock analysis: fundamental analysis and technical analysis.
The First United stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and First United's ongoing operational relationships across important fundamental and technical indicators.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First United. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in employment.
For information on how to trade First Stock refer to our How to Trade First Stock guide.

First Stock Analysis Notes

About 47.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.21. Some equities with similar Price to Book (P/B) outperform the market in the long run. First United last dividend was issued on the 16th of January 2026. The entity had 105:100 split on the 13th of March 1996. 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. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland. First United operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 273 people. To learn more about First United call the company at 800 470 4356 or check out https://mybank.com.

First United Quarterly Total Revenue

31.05 Million

First United Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. First United's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding First United or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.

First United Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to First United previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
8th of February 2024
Upcoming Quarterly Report
View
22nd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
8th of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

First Largest EPS Surprises

Earnings surprises can significantly impact First United's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2010-11-04
2010-09-30-0.05-0.010.0480 
2002-01-22
2001-12-310.420.37-0.0511 
2001-10-22
2001-09-300.380.430.0513 
View All Earnings Estimates

First United Environmental, Social, and Governance (ESG) Scores

First United's ESG score is a quantitative measure that evaluates First United's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of First United's operations that may have significant financial implications and affect First United's stock price as well as guide investors towards more socially responsible investments.

First Stock Institutional Investors

Shares
State Street Corp2025-06-30
67.2 K
Northern Trust Corp2025-06-30
64.7 K
Pinnacle Holdings, Llc2025-06-30
59 K
Morgan Stanley - Brokerage Accounts2025-06-30
55.8 K
Hillsdale Investment Management Inc.2025-06-30
52.5 K
Millennium Management Llc2025-06-30
36.7 K
Citadel Advisors Llc2025-06-30
36.5 K
Two Sigma Investments Llc2025-06-30
35.3 K
Angel Oak Capital Advisors, Llc2025-06-30
33.7 K
Dimensional Fund Advisors, Inc.2025-06-30
370.9 K
Vanguard Group Inc2025-06-30
344.6 K
Note, although First United's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

First Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 240.87 M.

First Profitablity

The company has Profit Margin (PM) of 0.3 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.43 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.43.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.09  0.10 
Return On Assets 0.01  0.01 
Return On Equity 0.13  0.10 

Management Efficiency

First United has return on total asset (ROA) of 0.0127 % which means that it generated a profit of $0.0127 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1336 %, meaning that it created $0.1336 on every $100 dollars invested by stockholders. First United's management efficiency ratios could be used to measure how well First United manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Capital Employed is expected to grow to 0.10, whereas Return On Tangible Assets are forecasted to decline to 0.01. At present, First United's Intangibles To Total Assets are projected to increase slightly based on the last few years of reporting. The current year's Debt To Assets is expected to grow to 0.15, whereas Total Assets are forecasted to decline to about 1.3 B.
Last ReportedProjected for Next Year
Book Value Per Share 24.72  25.96 
Tangible Book Value Per Share 23.10  24.25 
Enterprise Value Over EBITDA 9.56  11.16 
Price Book Value Ratio 1.41  1.34 
Enterprise Value Multiple 9.56  11.16 
Price Fair Value 1.41  1.34 
Enterprise Value91.4 M55.7 M
Leadership effectiveness at First United is a strong indicator of its financial stability. We analyze various metrics to provide insights into the stock's investment viability.
Dividend Yield
0.0246
Operating Margin
0.4309
Profit Margin
0.2979
Forward Dividend Yield
0.0259
Beta
0.529

Technical Drivers

As of the 4th of January, First United shows the Coefficient Of Variation of 4505.79, mean deviation of 1.28, and Downside Deviation of 1.98. 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 Price Movement Analysis

Study
The minimum time period for execution of this function requires larger time horizon. Please increase the time horizon for this function. The output start index for this execution was zero with a total number of output elements of zero. The Instantaneous Trendline is a moving-average-like indicator which is formed by removing the Dominant Cycle from First United price series.

First United Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First United insiders, such as employees or executives, is commonly permitted as long as it does not rely on First United's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First United insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Rodeheaver Carissa Lynn over three months ago
Acquisition by Rodeheaver Carissa Lynn of tradable shares of First United at 27.875 subject to Rule 16b-3
 
Boal Brian R. over three months ago
Acquisition by Boal Brian R. of tradable shares of First United at 32.36 subject to Rule 16b-3
 
Rodeheaver Carissa Lynn over three months ago
Acquisition by Rodeheaver Carissa Lynn of tradable shares of First United at 35.92 subject to Rule 16b-3
 
Tonya Sturm over six months ago
Acquisition by Tonya Sturm of 427 shares of First United subject to Rule 16b-3
 
Rudy Irvin Robert over six months ago
Acquisition by Rudy Irvin Robert of 1000 shares of First United subject to Rule 16b-3
 
Hessler Kevin over six months ago
Acquisition by Hessler Kevin of 1475 shares of First United subject to Rule 16b-3
 
Sanders Keith over six months ago
Disposition of 117 shares by Sanders Keith of First United at 31.21 subject to Rule 16b-3
 
Jason Rush over six months ago
Acquisition by Jason Rush of tradable shares of First United at 30.58 subject to Rule 16b-3
 
Tonya Sturm over six months ago
Acquisition by Tonya Sturm of 1083 shares of First United subject to Rule 16b-3
 
Julie Peterson over six months ago
Acquisition by Julie Peterson of tradable shares of First United at 29.165 subject to Rule 16b-3
 
Julie Peterson over six months ago
Acquisition by Julie Peterson of tradable shares of First United at 29.165 subject to Rule 16b-3
 
Rodeheaver Carissa Lynn over six months ago
Disposition of 360 shares by Rodeheaver Carissa Lynn of First United at 30.1 subject to Rule 16b-3

First United Outstanding Bonds

First United issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First United uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First United has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First United Predictive Daily Indicators

First United intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First United stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

First United Corporate Filings

8K
8th of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
14th of November 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
6th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10Q
5th of November 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
8K
21st of October 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
29th of September 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
27th of August 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10Q
13th of August 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify

First United Forecast Models

First United's time-series forecasting models are one of many First United's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary First United's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

First United Debt to Cash Allocation

As First United follows its natural business cycle, the capital allocation decisions will not magically go away. First United's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
First United currently holds 187.72 M in liabilities with Debt to Equity (D/E) ratio of 11.04, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about First United's use of debt, we should always consider it together with its cash and equity.

First United Total Assets Over Time

First United Assets Financed by Debt

The debt-to-assets ratio shows the degree to which First United uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

First United Debt Ratio

    
  15.0   
It looks as if most of the First United's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the First United's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of First United, which in turn will lower the firm's financial flexibility.

First United Corporate Bonds Issued

Most First bonds can be classified according to their maturity, which is the date when First United has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First Net Debt

Net Debt

112.11 Million

At present, First United's Net Debt is projected to decrease significantly based on the last few years of reporting.

About First Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how First United prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling First shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as First United. By using and applying First Stock analysis, traders can create a robust methodology for identifying First entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.22  0.14 
Operating Profit Margin 0.22  0.14 
Net Profit Margin 0.17  0.10 
Gross Profit Margin 0.62  0.53 

Current First Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. First analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. First analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
42.0Buy1Odds
First United current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of First United, talking to its executives and customers, or listening to First conference calls.
First Analyst Advice Details

First Stock Analysis Indicators

First United stock analysis indicators help investors evaluate how First United stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading First United shares will generate the highest return on investment. By understating and applying First United stock analysis, traders can identify First United position entry and exit signals to maximize returns.
Begin Period Cash Flow49.8 M
Long Term Debt120.9 M
Common Stock Shares Outstanding6.5 M
Total Stockholder Equity179.3 M
Total Cashflows From Investing Activities-38.4 M
Tax Provision6.7 M
Quarterly Earnings Growth Y O Y0.202
Property Plant And Equipment Net31.3 M
Cash And Short Term Investments149.9 M
Cash78.3 M
Accounts Payable489 K
Net Debt109.4 M
50 Day M A37.5824
Total Current Liabilities1.6 B
Other Operating Expenses84.6 M
Non Current Assets Total1.8 B
Non Currrent Assets Other101.2 M
Stock Based Compensation483 K

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When running First United's price analysis, check to measure First United's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First United is operating at the current time. Most of First United's value examination focuses on studying past and present price action to predict the probability of First United's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First United's price. Additionally, you may evaluate how the addition of First United to your portfolios can decrease your overall portfolio volatility.
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