Business Description
First United Corp
NAICS : 522110
SIC : 6029
ISIN : US33741H1077
Total Employee Number:
343Description
First United Corporation is a bank holding company headquartered in Oakland, Maryland, operating primarily through its subsidiary, First United Bank & Trust. It provides community banking services to individuals, businesses, and not-for-profit organizations across Maryland, West Virginia, Pennsylvania, and Virginia. Its offerings include checking and savings accounts, money market accounts, certificates of deposit, commercial and personal loans, mortgage loans, lines of credit, and residential real estate construction loans. The company operates through two reportable segments: community banking and wealth management. The community banking segment generates the majority of revenue by delivering loan and deposit products to consumer, business, and not-for-profit customers, while the wealth management segment provides trust and investment services. Revenue is derived mainly from net interest income on loans and investments, supplemented by fees from deposit services, trust and wealth management, and other financial products.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.84 | |||||
Equity-to-Asset | 0.1 | |||||
Debt-to-Equity | 0.48 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 7/9 | |||||
Beneish M-Score | -1.58 | |||||
WACC vs ROIC | ||||||
Growth Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 6.4 | |||||
3-Year EPS without NRI Growth Rate | 1.8 | |||||
3-Year FCF Growth Rate | -11.8 | |||||
3-Year Book Growth Rate | 11.2 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 55.62 | |||||
9-Day RSI | 53.84 | |||||
14-Day RSI | 52.26 | |||||
3-1 Month Momentum % | 8 | |||||
6-1 Month Momentum % | 24.34 | |||||
12-1 Month Momentum % | 18.13 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.39 | |||||
Dividend Payout Ratio | 0.25 | |||||
3-Year Dividend Growth Rate | 15.3 | |||||
Forward Dividend Yield % | 2.41 | |||||
5-Year Yield-on-Cost % | 4.33 | |||||
3-Year Average Share Buyback Ratio | 0.8 | |||||
Shareholder Yield % | 26.86 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 26.81 | |||||
FCF Margin % | 28.33 | |||||
OCF Margin % | 32.85 | |||||
ROE % | 12.38 | |||||
ROA % | 1.22 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 3 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 11.41 | |||||
Forward PE Ratio | 10.11 | |||||
PE Ratio without NRI | 10.85 | |||||
Shiller PE Ratio | 15.77 | |||||
Price-to-Owner-Earnings | 11.07 | |||||
PEG Ratio | 1.06 | |||||
PS Ratio | 3.06 | |||||
PB Ratio | 1.34 | |||||
Price-to-Tangible-Book | 1.41 | |||||
Price-to-Free-Cash-Flow | 11 | |||||
Price-to-Operating-Cash-Flow | 9.49 | |||||
EV-to-Revenue | 3.26 | |||||
EV-to-FCF | 11.55 | |||||
Price-to-GF-Value | 1.11 | |||||
Price-to-Projected-FCF | 0.68 | |||||
Price-to-DCF (Earnings Based) | 0.34 | |||||
Price-to-DCF (FCF Based) | 0.77 | |||||
Price-to-Median-PS-Value | 1.52 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.96 | |||||
Price-to-Graham-Number | 0.83 | |||||
FCF Yield % | 8.98 | |||||
Forward Rate of Return (Yacktman) % | 18.53 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
First United Corp Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 78.352 | ||
| EPS (TTM) (€) | 3.307 | ||
| Beta | 1.5182 | ||
| 3-Year Sharpe Ratio | 0.91 | ||
| 3-Year Sortino Ratio | 2.05 | ||
| Volatility % | 24.21 | ||
| 14-Day RSI | 52.26 | ||
| 14-Day ATR (€) | 0.535686 | ||
| 20-Day SMA (€) | 36.71 | ||
| 12-1 Month Momentum % | 18.13 | ||
| 52-Week Range (€) | 28 - 39.6 | ||
| Shares Outstanding (Mil) | 6.45 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
First United Corp Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
First United Corp Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Annual report for 2026 | 2027-03-10 | In 169 days | ||
| Fourth quarter earnings results for 2026 | 2027-02-04 | In 135 days | ||
| Third quarter earnings results for 2026 | 2026-10-20 | In 28 days | ||
| USD 0.260000 Cash Dividend | 2026-07-20 | 38.60 (+0.00%) | ||
| Second quarter earnings results for 2026 | 2026-07-20 | 38.60 (+0.00%) | ||
| General meeting for 2026 | 2026-05-07 09:00 | 31.20 (+0.00%) | ||
| First quarter earnings results for 2026 | 2026-04-20 | 30.80 (+0.00%) | ||
| USD 0.260000 Cash Dividend | 2026-04-17 | 31.00 (+0.00%) | ||
| Annual report for 2025 | 2026-03-10 | 29.40 (+0.00%) | ||
| Fourth quarter earnings results for 2025 | 2026-02-04 | 32.40 (+0.00%) |
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First United Corp Frequently Asked Questions
What is First United Corp(FRA:FU3)'s stock price today?
The current price of FRA:FU3 is €37.40. The 52 week high of FRA:FU3 is €39.60 and 52 week low is €28.00.
When is next earnings date of First United Corp(FRA:FU3)?
The next earnings date of First United Corp(FRA:FU3) is 2026-10-20 Est..
Does First United Corp(FRA:FU3) pay dividends? If so, how much?
The Dividend Yield %  of First United Corp(FRA:FU3) is 2.39% (As of Today), Highest Dividend Payout Ratio of First United Corp(FRA:FU3) was 0.28. The lowest was 0.16. And the median was 0.22. The  Forward Dividend Yield % of First United Corp(FRA:FU3) is 2.41%. For more information regarding to dividend, please check our Dividend Page.
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