First UnitedFUNC +0.65%69 EV-to-FCF is 10.97 as of Jun. 24, 2026, which is 5% above its 10-year median of 10.43. GuruFocus rates FUNC with a GF Score™ of 69/100 and a GF Value™ of $36.26 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,191 Banks companies, First United ranks worse than 65.66% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First United's Enterprise Value is $241.75 Mil.
First United's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $22.04 Mil. Therefore, First United's EV-to-FCF for today is 10.97.
The historical rank and industry rank for First United's EV-to-FCF or its related term are showing as below:
FUNC'
s EV-to-FCF Range Over the Past 10 Years
Min: 1 Med: 10.43 Max: 86.84
Current: 10.97
During the past 13 years, the highest EV-to-FCF of First United was 86.84. The lowest was 1.00. And the median was 10.43.
FUNC's EV-to-FCF is ranked worse than 65.66% of 1191
companies
in the Banks industry
Industry Median: 6.56
vs FUNC: 10.97
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First United's PE Ratio (TTM) for today is calculated as:
First United's share price for today is $43.46.
First United's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.910.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First United EV-to-FCF Related Terms
First United EV-to-FCF Historical Data
* Premium members only.
The historical data trend for First United's EV-to-FCF 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.
For the Banks - Regional subindustry, First United's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First United's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First United's EV-to-FCF falls into.
First United's current Enterprise Value is $241.75 Mil.
First United's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $22.04 Mil.
* 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 EV-to-FCF of 10.97 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First United and its competitors. This is near median its historical median of 10.43. Over the past decade, First United's EV-to-FCF has ranged from 1.00 to 86.84. According to the industry distribution chart, First United ranks #782 out of 1191 companies in the Banks industry, placing it in the top 65.7%.
Is First United's EV-to-FCF too high?
First United's current EV-to-FCF of 10.97 is near median its 10-year median of 10.43. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 86.84. The Banks industry median EV-to-FCF is 6.56. First United's value of 10.97 is 67.2% above this industry median. Based on the distribution chart, First United ranks #782 out of 1191 companies in the Banks industry, which is below the industry midpoint. Overall, First United has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First United's EV-to-FCF compare to ATLO and HWBK?
According to the Banks industry distribution chart, First United ranks #782 out of 1191 companies for EV-to-FCF. This places First United in the lower half of its industry. The industry median EV-to-FCF is 6.56. First United's value of 10.97 is 67.2% above this benchmark. Historically, First United's own EV-to-FCF has ranged from 1.00 to 86.84 over the past decade. While the company's 10-year median is 10.43 vs. the industry median of 6.56, First United has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First United's current EV-to-FCF of 10.97 is 67.2% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First United and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First United's current EV-to-FCF is 10.97, which is near median its own 10-year median of 10.43. 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 $36.26, compared to a current price of $43.46 — trading 19.9% above its estimated fair value. The current EV-to-FCF is 10.97, which is near median its 10-year median of 10.43 and 67.2% above the Banks industry median of 6.56. First United's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First United (FUNC), the current EV-to-FCF is 10.97 as of Jun. 24, 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 $43.46 is trading 19.9% above its estimated GF Value™ of $36.26.
GuruFocus considers First United to be Modestly Overvalued.
Key valuation signals for FUNC:
EV-to-FCF: 10.97 (near median its 10-year median of 10.43)
GF Value™: $36.26 vs. price of $43.46 (19.9% above fair value)
Industry Position: 67.2% above the Banks median (#782 of 1191)
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.
69GF Score
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