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Upturn AI SWOT - About
FUNC 
First United Corporation (FUNC)
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Upturn Advisory Summary
06/30/2025: 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.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $42
1 Year Target Price $42
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 30.57% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 189.31M USD | Price to earnings Ratio 8.4 | 1Y Target Price 42 |
Price to earnings Ratio 8.4 | 1Y Target Price 42 | ||
Volume (30-day avg) 1 | Beta 0.61 | 52 Weeks Range 19.47 - 42.17 | Updated Date 06/29/2025 |
52 Weeks Range 19.47 - 42.17 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.00% | Basic EPS (TTM) 3.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.56% | Operating Margin (TTM) 39.63% |
Management Effectiveness
Return on Assets (TTM) 1.17% | Return on Equity (TTM) 12.99% |
Valuation
Trailing PE 8.4 | Forward PE - | Enterprise Value 247453680 | Price to Sales(TTM) 2.38 |
Enterprise Value 247453680 | Price to Sales(TTM) 2.38 | ||
Enterprise Value to Revenue 3.81 | Enterprise Value to EBITDA - | Shares Outstanding 6478630 | Shares Floating 5940778 |
Shares Outstanding 6478630 | Shares Floating 5940778 | ||
Percent Insiders 8.06 | Percent Institutions 46.29 |
Analyst Ratings
Rating 1 | Target Price 42 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First United Corporation
Company Overview
History and Background
First United Corporation was founded in 1900 and has grown from a local bank to a multi-bank holding company offering a range of financial services throughout Maryland, West Virginia, Pennsylvania, and Virginia. It has focused on community banking and relationship-based service.
Core Business Areas
- Commercial Banking: Offers commercial loans, deposit accounts, and cash management services to businesses of all sizes.
- Retail Banking: Provides consumer loans, deposit accounts, mortgages, and wealth management services to individuals and families.
- Wealth Management: Offers financial planning, investment management, and trust services.
Leadership and Structure
The company is led by a board of directors and a management team. Key executives include the CEO, CFO, and heads of various business units. The organizational structure is typical of a regional bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share data is difficult to determine due to the regional nature of the bank. Competitors include other regional banks and national banks with a local presence.
- Mortgages: Residential mortgages for home purchase and refinance. Market share data is difficult to determine due to the regional nature of the bank. Competitors include other regional banks, national banks, and mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is difficult to determine due to the regional nature of the bank. Competitors include other regional banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. The industry is also seeing consolidation with larger banks acquiring smaller ones.
Positioning
First United Corporation is positioned as a community bank focused on relationship-based service in its regional markets. Its competitive advantage lies in its local knowledge and customer service.
Total Addressable Market (TAM)
The TAM consists of banking services within its geographic footprint and is valued at billions of dollars. First United Corporation is positioned to capture a share through its focus on community and local businesses.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based customer service
- Experienced management team
- Diversified product offerings
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Potential for higher operating costs
- Susceptible to regional economic downturns
Opportunities
- Expansion into new markets within the region
- Increased focus on digital banking
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Competition from larger banks
- Rising interest rates
- Increased regulatory burden
- Economic downturns in its regional markets
Competitors and Market Share
Key Competitors
- WSBC
- FCNCA
- CFBK
Competitive Landscape
First United Corporation faces competition from larger national banks and other regional banks. Its competitive advantage lies in its local knowledge and customer service.
Growth Trajectory and Initiatives
Historical Growth: First United Corporation has experienced moderate growth in recent years, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth in the coming years, driven by expansion into new markets and increased focus on digital banking.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
First United Corporation is a regional bank with a strong local presence. Its focus on relationship-based customer service is a key strength. However, it faces competition from larger banks and must continue to invest in digital banking to remain competitive. Management should focus on improving operation efficiency and watching out for bigger banks acquiring the company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share information is estimated and may not be precise.
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 | Chairman, President & CEO Ms. Carissa L. Rodeheaver CPA, CFP | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 291 | Website https://mybank.com |
Full time employees 291 | Website https://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 in the United States. It operates through Community Banking and Wealth Management segments. The company offers various deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit; demand deposits; business and personal loans; lines of credit; commercial loans secured by real estate, commercial equipment, vehicles or other assets of the borrower; residential mortgages; real estate construction loans to builders and individuals for single family dwellings; and indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. It also provides brokerage; treasury management, cash sweep, and various checking opportunities; trust services, including personal trust, investment agency accounts, charitable trusts, and estate administration and estate planning, as well as retirement accounts including IRA roll-overs, 401(k) accounts, and defined benefit plans; and safe deposit and night depository facilities, and insurance products. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
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