Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
FUNC 
First United Corporation (FUNC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: FUNC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 9.07% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 194.59M USD | Price to earnings Ratio 9.54 | 1Y Target Price 42 |
Price to earnings Ratio 9.54 | 1Y Target Price 42 | ||
Volume (30-day avg) 19469 | Beta 0.76 | 52 Weeks Range 18.75 - 42.50 | Updated Date 04/2/2025 |
52 Weeks Range 18.75 - 42.50 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.96% | Basic EPS (TTM) 3.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.76% | Operating Margin (TTM) 41.79% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 12.06% |
Valuation
Trailing PE 9.54 | Forward PE - | Enterprise Value 301718976 | Price to Sales(TTM) 2.53 |
Enterprise Value 301718976 | Price to Sales(TTM) 2.53 | ||
Enterprise Value to Revenue 4.57 | Enterprise Value to EBITDA - | Shares Outstanding 6473380 | Shares Floating 5946378 |
Shares Outstanding 6473380 | Shares Floating 5946378 | ||
Percent Insiders 7.89 | Percent Institutions 46.3 |
Analyst Ratings
Rating 3 | Target Price 25 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First United Corporation
Company Overview
History and Background
First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland. It operates as the financial holding company for First United Bank & Trust. Over time, it has grown through organic expansion and strategic acquisitions, adapting to the changing financial landscape.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services including lending, deposit accounts, and cash management services to businesses.
- Retail Banking: Offers retail banking services such as checking and savings accounts, mortgages, and personal loans to individuals.
- Trust and Investment Services: Provides trust and investment management services to individuals, families, and institutions.
Leadership and Structure
The leadership team is headed by the CEO, with various senior executives overseeing different business segments. The organizational structure is typical of a community bank holding company, with a board of directors providing oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing to businesses for various purposes, including working capital, equipment purchases, and real estate development. Market share is difficult to pinpoint precisely at a national level, but First United operates in a competitive market with larger national banks and smaller regional players. Competitors include Truist, PNC, and M&T Bank. Revenue for First United is not broken down by product.
- Mortgages: Offers residential mortgage loans to individuals. Again, exact market share is hard to determine, but they compete with national mortgage lenders and other regional banks. Competitors include Wells Fargo, Bank of America, and local credit unions. Revenue for First United is not broken down by product.
- Deposit Accounts: Offer checking, savings, and money market accounts to individuals and businesses. They compete with other banks and credit unions for deposit market share. Competitors include Chase, Capital One, and local community banks. Revenue for First United is not broken down by product.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological disruption. Consolidation is ongoing, with larger banks acquiring smaller ones. There is also significant competition from fintech companies.
Positioning
First United Corporation positions itself as a community bank offering personalized service and local expertise. It aims to differentiate itself through strong customer relationships and community involvement.
Total Addressable Market (TAM)
The total addressable market for banking services in the regions First United serves is in the billions of dollars. First United is positioned to capture a portion of this market through its community-focused approach and strong local presence.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Personalized customer service
- Experienced management team
- Solid asset quality
- Community Focused
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on interest rate environment
- Higher operating costs compared to larger institutions
- Limited technological resources compared to larger institutions
Opportunities
- Expansion into new markets through strategic acquisitions
- Increased adoption of digital banking services
- Growing demand for wealth management services
- Leveraging fintech partnerships for innovation
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- MTB
- PNC
- FFIC
Competitive Landscape
First United faces competition from larger national and regional banks, as well as smaller community banks and credit unions. Its advantages include local expertise and personalized service, while its disadvantages include limited geographic reach and scale.
Major Acquisitions
Hampshire First Bank
- Year: 2018
- Acquisition Price (USD millions): 20.6
- Strategic Rationale: Expanded First United's presence in the Eastern Panhandle of West Virginia.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends over the past years would be discussed, based on available financial data.
Future Projections: Future growth projections based on analyst estimates require up-to-date consensus forecasts.
Recent Initiatives: Highlight recent strategic initiatives undertaken by First United Corporation, such as acquisitions or new product launches.
Summary
First United Corporation is a community bank with a solid local presence and a focus on customer service. While its smaller size limits its geographic reach and technological resources, it benefits from strong community relationships. Threats include competition and rising interest rates, but opportunities exist through digital banking and strategic acquisitions. The bank should carefully manage expenses and focus on technological investments to sustain growth.
Similar Companies
CBSH
Commerce Bancshares Inc
CBSH
Commerce Bancshares Inc
FFIC
Flushing Financial Corporation
FFIC
Flushing Financial Corporation
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Market Data Providers
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First United Corporation
Exchange NASDAQ | Headquaters Oakland, MD, United States | ||
IPO Launch date 1992-09-08 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 291 | Website https://www.mybank.com |
Full time employees 291 | Website https://www.mybank.com | ||
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. It offers various deposit products, which includes checking, savings, money market deposit, and regular and individual retirement accounts (IRAs), as well as certificates of deposit. The company loan portfolio includes commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings, such as restaurants and motels, retail buildings, and general purpose business space; residential mortgage loans; home equity lines of credit; residential real estate construction loans; and indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. It also offers access to multi-million-dollar certificates of deposit and the Intrafi cash service, including multi-million-dollar savings and demand deposits to municipalities, businesses, and consumers; and treasury management, cash sweep, and various checking services. In addition, the company provides trust services, which includes personal trust, investment agency accounts, charitable trusts, retirement accounts, including IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning; and insurance products, brokerage services, and safe deposit and night depository facilities. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.