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Upturn AI SWOT - About
FUNC 
First United Corporation (FUNC)
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Upturn Advisory Summary
10/23/2025: 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 18.1% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/23/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 243.70M USD | Price to earnings Ratio 10.02 | 1Y Target Price 42 |
Price to earnings Ratio 10.02 | 1Y Target Price 42 | ||
Volume (30-day avg) 1 | Beta 0.7 | 52 Weeks Range 24.12 - 41.58 | Updated Date 10/23/2025 |
52 Weeks Range 24.12 - 41.58 | Updated Date 10/23/2025 | ||
Dividends yield (FY) 2.45% | Basic EPS (TTM) 3.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-27 | When - | Estimate 0.86 | Actual 1.07 |
Profitability
Profit Margin 29.79% | Operating Margin (TTM) 43.09% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 13.36% |
Valuation
Trailing PE 10.02 | Forward PE - | Enterprise Value 259769888 | Price to Sales(TTM) 2.91 |
Enterprise Value 259769888 | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 4.59 | Enterprise Value to EBITDA - | Shares Outstanding 6496908 | Shares Floating 5960393 |
Shares Outstanding 6496908 | Shares Floating 5960393 | ||
Percent Insiders 8.01 | Percent Institutions 48.77 |
Upturn AI SWOT
First United Corporation
Company Overview
History and Background
First United Corporation was founded in 1900 and has grown to become a community-focused financial institution. It has expanded through strategic acquisitions and organic growth, adapting to changing banking landscapes.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services to businesses of all sizes.
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and institutions.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is hierarchical, with distinct departments for each business segment.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, including working capital, equipment purchases, and real estate. Competitors include larger regional and national banks. Market share varies by region.
- Mortgage Loans: Loans provided to individuals for home purchases and refinancing. Competitors include national mortgage lenders and other community banks. Market share varies by region.
- Deposit Accounts: Checking, savings, and money market accounts offered to individuals and businesses. Competitors include online banks and other local and regional banks. Market share varies by region.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, with increasing pressure from fintech companies and changing consumer preferences. Interest rates, economic growth, and regulatory changes are key factors.
Positioning
First United Corporation is a community-focused bank with a strong presence in its local markets. Its competitive advantages include personalized service and local decision-making.
Total Addressable Market (TAM)
The TAM for community banking is in the billions of dollars. First United Corporation is positioned to capture a portion of this TAM through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Technology adoption lag
Opportunities
- Expansion into new markets
- Increased demand for community banking
- Partnerships with fintech companies
- Growth in wealth management
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BBT
- USB
- PNC
Competitive Landscape
First United Corporation competes with larger regional and national banks. Its competitive advantages include personalized service and local decision-making, but it faces challenges due to its smaller size and limited geographic reach.
Major Acquisitions
Clear Mountain Bank
- Year: 2020
- Acquisition Price (USD millions): 70.5
- Strategic Rationale: Expanded market share and geographic presence in West Virginia.
Growth Trajectory and Initiatives
Historical Growth: First United Corporation has experienced steady growth through a mix of organic initiatives and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and growth in core business lines.
Recent Initiatives: Recent initiatives include investments in technology, expansion of wealth management services, and opening of new branches.
Summary
First United Corporation is a stable community bank with a strong local presence and consistent financial performance. It has experienced steady growth through organic initiatives and acquisitions. Its smaller size compared to national players and dependence on its local economies present challenges. Investment in technology and further market penetration are key to driving sustained growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Data
- Analyst Reports
- Company Website
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share and financial data are estimates 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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