First United Stock Today

FUNC Stock  USD 34.97  0.56  1.63%   

Performance

20 of 100

 
Weak
 
Strong
Solid

Odds Of Distress

Less than 3

 
High
 
Low
Very Low
First United is trading at 34.97 as of the 24th of November 2024, a 1.63% increase since the beginning of the trading day. The stock's open price was 34.41. First United has a very small chance of experiencing financial distress in the next few years and had a solid performance during the last 90 days. Equity ratings for First United are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 25th of October 2024 and ending today, the 24th of November 2024. Click here to learn more.
Business Domain
Banks
IPO Date
8th of September 1992
Category
Financial Services
Classification
Financials
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. The company has 6.47 M outstanding shares of which 6.56 K shares are currently shorted by private and institutional investors with about 0.4 trading days to cover. More on First United

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First Stock Highlights

ESG Sustainability
Environmental
Governance
Social
President ChairmanCFP CPA
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.0090.0079
Fairly Up
Slightly volatile
Asset Turnover0.04810.0366
Significantly Up
Very volatile
Gross Profit Margin0.370.4467
Significantly Down
Pretty Stable
Total Current Liabilities1.5 B1.4 B
Sufficiently Up
Slightly volatile
Non Current Liabilities Total344.1 M362.2 M
Notably Down
Slightly volatile
Total Assets1.3 B1.9 B
Way Down
Slightly volatile
Total Current Assets64.7 M61.7 M
Sufficiently Up
Slightly volatile
Total Cash From Operating Activities20.5 M22.5 M
Significantly Down
Very volatile
Debt Levels
First United can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand First United's financial leverage. It provides some insight into what part of First United's total assets is financed by creditors.
Liquidity
First United currently holds 157.9 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.

Free Cash Flow

17.4 Million
First United (FUNC) is traded on NASDAQ Exchange in USA. It is located in 19 South Second Street, Oakland, MD, United States, 21550-0009 and employs 304 people. First United is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 226.21 M. First United conducts business under Banks sector and is part of Financials industry. The entity has 6.47 M outstanding shares of which 6.56 K shares are currently shorted by private and institutional investors with about 0.4 trading days to cover. First United currently holds about 30.76 M in cash with 22.53 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 4.62.
Check First United Probability Of Bankruptcy
Ownership Allocation
The market capitalization of First United is $226.21 Million. 30% of First United outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.
Check First Ownership Details

First Stock Institutional Holders

InstituionRecorded OnShares
Pinnacle Holdings, Llc2024-06-30
59.2 K
American Century Companies Inc2024-09-30
40.1 K
Royal Bank Of Canada2024-06-30
36.6 K
Ejf Capital Llc2024-09-30
36 K
Morgan Stanley - Brokerage Accounts2024-06-30
32 K
Northern Trust Corp2024-09-30
31.4 K
Citadel Advisors Llc2024-09-30
25.7 K
Empowered Funds, Llc2024-06-30
22.5 K
State Street Corp2024-06-30
21.2 K
Dimensional Fund Advisors, Inc.2024-09-30
383.7 K
Fourthstone Llc2024-06-30
339.2 K
View First United Diagnostics

First United Historical Income Statement

At present, First United's Operating Income is projected to increase significantly based on the last few years of reporting. The current year's EBITDA is expected to grow to about 25.4 M, whereas Depreciation And Amortization is forecasted to decline to about 2.8 M. View More Fundamentals

First Stock Against Markets

First United Corporate Management

Keith MBASenior OfficerProfile
Julie PetersonSenior OfficerProfile
CPA CFPPres ChairmanProfile
Robert IISenior OfficerProfile
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 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 board of governors.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First United. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First United listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.328
Dividend Share
0.8
Earnings Share
2.46
Revenue Per Share
10.808
Quarterly Revenue Growth
0.075
The market value of First United is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First United's value that differs from its market value or its book value, called intrinsic value, which is First United's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First United's market value can be influenced by many factors that don't directly affect First United's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic 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. However, First United's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.