First United Valuation

FUNC Stock  USD 35.53  0.04  0.11%   
At this time, the firm appears to be overvalued. First United shows a prevailing Real Value of $33.46 per share. The current price of the firm is $35.53. Our model computes the value of First United from reviewing the firm fundamentals such as Shares Outstanding of 6.47 M, profit margin of 0.23 %, and Current Valuation of 336.29 M as well as analyzing its technical indicators and probability of bankruptcy.
Price Book
1.3195
Enterprise Value
336.3 M
Price Sales
3.2322
Trailing PE
14.4268
Enterprise Value Revenue
5.1559
Overvalued
Today
35.53
Please note that First United's price fluctuation is very steady at this time. Calculation of the real value of First United is based on 3 months time horizon. Increasing First United's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since First United is currently traded on the exchange, buyers and sellers on that exchange determine the market value of First Stock. However, First United's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  35.53 Real  33.46 Target  25.0 Hype  35.47
The real value of First Stock, also known as its intrinsic value, is the underlying worth of First United Company, which is reflected in its stock price. It is based on First United's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of First United's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
33.46
Real Value
39.08
Upside
Estimating the potential upside or downside of First United helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First United more accurately as focusing exclusively on First United's fundamentals will not take into account other important factors:
Earnings
Estimates (0)
LowProjectedHigh
0.780.780.78
Details
Hype
Prediction
LowEstimatedHigh
34.2235.4736.72
Details
1 Analysts
Consensus
LowTarget PriceHigh
22.7525.0027.75
Details

First United Total Value Analysis

First United is currently estimated to have valuation of 336.29 M with market capitalization of 229.57 M, debt of 157.9 M, and cash on hands of 30.76 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the First United fundamentals before making equity appraisal based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
336.29 M
229.57 M
157.9 M
30.76 M

First United Investor Information

About 45.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.32. Some equities with similar Price to Book (P/B) outperform the market in the long run. First United last dividend was issued on the 17th of January 2025. The entity had 105:100 split on the 13th of March 1996. Based on the measurements of operating efficiency obtained from First United's historical financial statements, First United is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December.

First United Asset Utilization

The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of First indicates not a very effective usage of assets in November.
 
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Covid

First United Ownership Allocation

The market capitalization of First United is $229.57 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.

First United Profitability Analysis

The company reported the previous year's revenue of 95.06 M. Net Income was 15.06 M with profit before overhead, payroll, taxes, and interest of 76.33 M.

First United Past Distributions to stockholders

Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates First United's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in First United and how it compares across the competition.

About First United Valuation

The stock valuation mechanism determines First United's current worth on a weekly basis. Our valuation model uses a comparative analysis of First United. We calculate exposure to First United's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First United's related companies.
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.

First United Quarterly Retained Earnings

184.24 Million

First United's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether First United's value is low or high relative to the company's performance and growth projections. Determining the market value of First United can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of First United represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

First United Dividends Analysis For Valuation

There are various types of dividends First United can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First United directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First United by the value of the dividends paid out.

First United Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
Common Stock Shares Outstanding6.7 M
Quarterly Earnings Growth Y O Y0.328

Complementary Tools for First Stock analysis

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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