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First UnitedFUNC -0.54%65 Equity-to-Asset is 0.10 as of Jun. 2026, which is 11% above its 10-year median of 0.09. GuruFocus rates FUNC with a GF Score™ of 65/100 and a GF Value™ of $38.14 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, First United ranks better than 54.75% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. First United's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $212.37 Mil. First United's Total Assets for the quarter that ended in Jun. 2026 was $2,082.09 Mil.
Therefore, First United's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.10.
The historical rank and industry rank for First United's Equity-to-Asset or its related term are showing as below:
FUNC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.09 Max: 0.1
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of First United was 0.10. The lowest was 0.07. And the median was 0.09.
FUNC's Equity-to-Asset is ranked better than 54.75% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs FUNC: 0.10
First United (NAS:FUNC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
First United Equity-to-Asset Related Terms
First United Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for First United's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FUNC vs WNEB, LRBI, LCNB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, First United's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First United Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First United's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where First United's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
First United's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First United (FUNC) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First United and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, First United's Equity-to-Asset has ranged from 0.07 to 0.10. According to the industry distribution chart, First United ranks #690 out of 1525 companies in the Banks industry, placing it in the top 45.2%.
Is First United's Equity-to-Asset too high?
First United's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. First United's value of 0.10 is 0% at this industry median. Based on the distribution chart, First United ranks #690 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, First United has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First United's Equity-to-Asset compare to WNEB and LRBI?
According to the Banks industry distribution chart, First United ranks #690 out of 1525 companies for Equity-to-Asset. This puts First United in the upper half of its industry. The industry median Equity-to-Asset is 0.10. First United's value of 0.10 is 0% at this benchmark. Historically, First United's own Equity-to-Asset has ranged from 0.07 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, First United has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First United's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First United and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First United's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First United stock overvalued right now?
Based on GuruFocus' analysis, First United (FUNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.14, compared to a current price of $44.35 — trading 16.3% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. First United's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For First United (FUNC), the current Equity-to-Asset is 0.10 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First United (FUNC) Overvalued in 2026?
Based on GuruFocus' analysis, First United stock appears to be overvalued.
The current stock price of $44.35 is trading 16.3% above its estimated GF Value™ of $38.14.
GuruFocus considers First United to be Modestly Overvalued.
Key valuation signals for FUNC:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $38.14 vs. price of $44.35 (16.3% above fair value)
Industry Position: 0% at the Banks median (#690 of 1525)
No single metric tells the full story. See the FUNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First United Corp is active in the financial services domain. The scope of its offering includes checking, savings, money market deposit accounts and certificates of deposit, business loans, personal loans, mortgage loans and lines of credit extended to both individuals and businesses. The bank also provides residential real estate construction loans to builders and individuals for single-family dwellings. The company's reportable operating segments include community banking and wealth management. The company generates the majority of its revenue from the Community Banking segment, which is engaged in delivering financial products and services, including various loan and deposit products, to consumer, business, and not-for-profit customers.
65GF Score
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