Is First United Corporation (FUNC) Overvalued?
We dive into why First United Corporation (FUNC) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
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 deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit (CD); and demand deposits. It also provides business and personal loans; commercial loans secured by real estate, commercial equipment, and vehicles or other assets of the borrower; residential mortgages; home equity lines of credit; real estate construction loans to builders and individuals for single-family dwellings; and consumer loans, including indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers brokerage; certificate of deposit account registry and IntraFi cash services; treasury management, cash sweep, and various checking opportunities; trust services, such as personal trust, investment agency accounts, charitable trusts, estate administration, and estate planning, as well as retirement accounts, including IRA rollovers, 401(k) accounts, and defined benefit plans; safe deposit and night depository facilities; and insurance products. Further, it provides online, mobile, and digital banking; debit and credit cards; business support; merchant services; remote deposit capture; positive pay; sweep and escrow accounts; check recovery and ordering; equipment loans; floorplan lending; mobile wallet and deposit; credit insights; personal finance; bill pay; CD and trust secured loans; boat and RV loans; and retirement planning services. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
Commentary & Analysis
What You Need to Know About First United Corporation's Q3 Earnings
First United Corporation's fiscal Q3 earnings report was released on Monday, July 20. Let's dive in to see if (FUNC) missed or beat analyst's expectations.Rosalio Madrigal
What You Need to Know About First United Corporation's Q2 Earnings
First United Corporation's fiscal Q2 earnings report was released on Monday, April 20. Let's dive in to see if (FUNC) missed or beat analyst's expectations.Jenna Brashear
5 Undervalued Banks Stocks for Friday, January 16
Discover the top 5 undervalued Banks stocks for Friday, January 16 based on AAII’s Stock Grades.Jenna Brashear
Why First United Corporation’s (FUNC) Stock Is Up 7.19%
As of Thursday, January 15, First United Corporation’s FUNC share price has surged by 7.19%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Financial Summary
| Share Statistics | FUNC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $277.1 | $745.4 | 30% |
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| Shares Out (Mil) | 6.5 | 15.3 | 16% |
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| Institutional Ownership | 86.3% | 83.2% | 54% |
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| Float (Mil) | 5.9 | 21.8 | 14% |
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| Beta | 0.51 | 0.42 | 29% |
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| Avg Daily Volume (000s) | 13 | 45 | 18% |
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| Price Change (52-week) |
23.7% | 94.6% | 64% |
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| Growth | FUNC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 6.8% | 7.7% | 45% |
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| Net Income (5yr) | 12.2% | 11.1% | 58% |
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| EPS (5yr) | 13.9% | 10.1% | 54 |
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| Dividends (5yr) | 13.0% | 3.6% | 80% |
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| Cash Flow (5yr) | (10.4%) | (17.1%) | 58% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 2 | 1 | |
| Current EPS | $1.160 | $3.330 | $4.800 | |
| Month Ago EPS | $1.115 | $4.335 | $4.705 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $1.150 | $4.400 | $4.800 | |
| Year/Year Chg | 32.1% | (11.7%) | na | |
| Financials | FUNC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $90 | $196 | 25% |
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| Net Income (TTM) (Mil) | $25 | $55 | 50% |
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| EPS (TTM) | $3.865 | $2.600 | 82% |
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| Operating Cash Flow (TTM) (Mil) | $30 | $35 | 44% |
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| Net Cash Flow (TTM) (Mil) | $6 | $2 | 53% |
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| Long-Term Debt (Q1) (Mil) | $32 | $100 | 35% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FUNC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.30 | 1.25 | 32% |
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| P/E | 11.1 | 12.4 | 21% |
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| Dividend Yield | 2.4% | 2.2% | 80% |
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| PEG (5yr hist) | 0.8 | 1.1 | 37% |
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| Ratios | FUNC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 27.7% | 29.1% | 86% |
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| ROA | 1.2% | 1.1% | 49% |
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| ROE | 12.4% | 11.3% | 64% |
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| Liabilities to Assets | 89.8% | 89.7% | 85% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
