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First United Corporation

FUNC | US

36.24

USD

0.14

0.39%

FUNC | US
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About First United Corporation

Sector

Financial Services

Industry

Banks - Regional - US

Earnings date

30/06/2024

As of date

09/03/2026

Close

36.24

Open

35.67

High

36.24

Low

35.53

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 and money market deposit accounts 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; residential mortgage loans; home equity lines of credit; residential real estate construction loans; and indirect and direct auto loans student loans term 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 insured cash sweep program 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 incorporated in 1984 and is headquartered in Oakland Maryland.

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FUNC | US

Risk
23.8
Sharpe
0.22
Luna's Score
63/100
Recommendation
Hold

Luna says (FUNC | US)

What's Working

Strength based on increasing price with high volume

Low 6-Month Volatility (<30%)

Good Dividend Yield (2% <= Dividend Yield <= 8%)

Low Market Beta (-0.4 to 0.8)

Low Debt to Asset (< 0.2)

Value Stock (Price to Book < 3)

Strong Operating Margin (> 25%)

What's not Working

Microcap (<300M USD)

High Debt to Equity (> 0.75)

Weak Sharpe Ratio (< 0.3)

Volatility Signals

Bearish: Increased Volatility (6-month > 1-month volatility)

Risk Meter

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10 days

27.4%

1 month

23.8%

3 months

28.7%

6 months

30.0%

Returns

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Fundamental Ratios

PE

14.08

Fwd. PE

-

Price to book

1.24

Debt to equity

0.82

Debt to assets

0.07

Ent. to EBITDA

-

Ent. to rev.

4.37

PEG

-

Other Fundamentals

EBITDA

-

MarketCap

234.31M

MarketCap(USD)

234.31M

Div. yield

2.79

Op. margin

36.11

Erngs. growth

13.90

Rev. growth

2.90

Ret. on equity

9.32

Short ratio

0.42

Short perc.

0.14

Market Sentiment (SMA and Price signals)

Short-term: Bearish (SMA10D < SMA1M)

Intermediate-term: Bearish (SMA1M < SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

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Range10D

2.48

Range1M

4.83

Range3M

6.92

Volumes: Market Activity

Volume Averages

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Rel. volume

1.09

Price X volume

549.91K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Fidelity D & D Bancorp IncFDBCBanks - Regional - US43.1247.22M-1.06%18.8559.43%
C&F Financial CorporationCFFIBanks - Regional - US75.02245.08M2.98%10.6054.38%
Flexsteel Industries IncFLXSFurnishings Fixtures & Appliances46.34241.14M-1.43%22.7146.83%
Ames National CorporationATLOBanks - Regional - US26.67239.82M0.13%18.5275.78%
National Bankshares IncNKSHBanks - Regional - US37.19236.58M0.49%19.511.01%
LCNB CorpLCNBBanks - Regional - US16.71236.48M-0.71%29.3568.69%
First National CorporationFXNCBanks - Regional - US26.24235.13M-0.38%16.4653.61%
Hawthorn Bancshares IncHWBKBanks - Regional - US33.56234.47M2.16%40.00108.29%
Norwood Financial CorpNWFLBanks - Regional - US28.95234.07M-0.48%17.58115.50%
The Bank of PrincetonBPRNBanks - Regional - US33.66231.44M-0.18%10.519.40%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
CPI Card Group IncPMTSBuilding Products & Equipment15.485172.78M-0.23%15.61-621.78%
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment41.64119.58M-0.50%5.1619.82%
Cosmos Group Holdings IncCOSGMedia - Diversified0.05114.65Mn/a-91.95%
Virco Mfg. CorporationVIRCBuilding Products & Equipment6.2100.99M-0.80%9.0939.79%
Reading International IncRDIBMedia - Diversified11.2488.17M-2.68%n/a4054.78%
Antelope Enterprise Holdings LimitedAEHLBuilding Products & Equipment2.2332.59M0.90%0.0316.03%
Reading International IncRDIMedia - Diversified1.0429.36M4.07%n/a4054.78%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA--25.13-
Ent. to Revenue4.3773.69Cheaper
PE Ratio14.0818.44Cheaper
Price to Book1.243,795.44Cheaper
Dividend Yield2.793.11Par
Std. Deviation (3M)28.6932.77Par
Debt to Equity0.820.66Expensive
Debt to Assets0.070.08Par
Market Cap234.31M2.81BEmerging
  • 1

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