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First United Corporation (FUNC)



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Upturn Advisory Summary
08/14/2025: FUNC (1-star) is currently NOT-A-BUY. Pass it for now.
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 24.46% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 226.66M USD | Price to earnings Ratio 10.03 | 1Y Target Price 42 |
Price to earnings Ratio 10.03 | 1Y Target Price 42 | ||
Volume (30-day avg) 1 | Beta 0.69 | 52 Weeks Range 24.31 - 41.90 | Updated Date 08/14/2025 |
52 Weeks Range 24.31 - 41.90 | Updated Date 08/14/2025 | ||
Dividends yield (FY) 2.50% | Basic EPS (TTM) 3.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-21 | When Before Market | Estimate 0.81 | Actual 0.92 |
Profitability
Profit Margin 29.16% | Operating Margin (TTM) 40.29% |
Management Effectiveness
Return on Assets (TTM) 1.23% | Return on Equity (TTM) 13.37% |
Valuation
Trailing PE 10.03 | Forward PE - | Enterprise Value 322676256 | Price to Sales(TTM) 2.78 |
Enterprise Value 322676256 | Price to Sales(TTM) 2.78 | ||
Enterprise Value to Revenue 4.9 | Enterprise Value to EBITDA - | Shares Outstanding 6494610 | Shares Floating 5956273 |
Shares Outstanding 6494610 | Shares Floating 5956273 | ||
Percent Insiders 8.05 | Percent Institutions 52.76 |
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 its services and geographic reach over the years through strategic acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Provides a wide array of lending and deposit services to businesses, including commercial real estate financing, lines of credit, and treasury management services.
- Retail Banking: Offers personal banking products and services such as checking and savings accounts, mortgages, consumer loans, and credit cards.
- Wealth Management: Provides investment advisory, financial planning, and trust services to individuals and families.
- Insurance Services: Offers a range of insurance products.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is designed to support its diversified lines of business, with regional presidents overseeing operations in different geographic areas.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provide financing for commercial properties. Market share data is not publicly available. Competitors include larger national and regional banks such as PNC, Truist, and M&T Bank.
- Residential Mortgages: Offer mortgage loans for residential properties. Market share data is not publicly available. Competitors include Quicken Loans, Wells Fargo, and local credit unions.
- Wealth Management Services: Provide investment management and financial planning services. Market share data is not publicly available. Competitors include Raymond James, Edward Jones, and regional advisory firms.
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased competition, rising interest rates, and evolving regulatory requirements. Fintech companies are also disrupting traditional banking models.
Positioning
First United Corporation positions itself as a community-focused bank, emphasizing customer service and local relationships. Its competitive advantages lie in its understanding of local markets and its ability to provide personalized service.
Total Addressable Market (TAM)
The TAM for community banking in the regions First United serves is estimated to be in the billions of dollars. First United is positioned to capture a portion of this market by focusing on local businesses and residents.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams
- Solid customer relationships
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating costs compared to fintech companies
- Reliance on traditional banking models
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- MTB
- TFSL
Competitive Landscape
First United Corporation faces intense competition from larger national and regional banks, as well as emerging fintech companies. Its strengths lie in its local market knowledge and customer relationships, but its limited geographic reach and higher operating costs pose challenges.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires multiple years of revenue data
Future Projections: Future projections require financial models and analyst estimates.
Recent Initiatives: Information on recent strategic initiatives is needed here.
Summary
First United Corporation is a community bank with a strong regional presence and a diversified business model. Its focus on customer service and local relationships provides a competitive advantage, but it faces challenges from larger banks and fintech companies. The company needs to continue to invest in technology and expand its digital offerings to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on 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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