First United (FRA:FU3) Institutional Ownership: 35.61% (As of Jul. 27, 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:FU3 First United Corp FRA:FU3
74 GF Score
Price €37.60
GF Value €31.29
Valuation Modestly Overvalued
! 5 Warning Signs
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What is First United Institutional Ownership?

First United FRA:FU3 +0.53% 74 Institutional Ownership is 35.61% as of Jul. 27, 2026. GuruFocus rates FRA:FU3 with a GF Score™ of 74/100 and a GF Value™ of €31.29 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Institutional ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, First United's institutional ownership is 35.61%.

Insider Ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, First United's Insider Ownership is 0.00%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, First United's Float Percentage Of Total Shares Outstanding is 91.93%.

First United Institutional Ownership Historical Data

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The historical data trend for First United's Institutional Ownership 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.

First United Institutional Ownership Chart

First United Historical Data

The historical data trend for First United can be seen below:

2025-09-30 2025-10-31 2025-11-30 2025-12-31 2026-01-31 2026-02-28 2026-03-31 2026-04-30 2026-05-31 2026-06-30
Institutional Ownership 33.60 32.86 33.11 33.29 33.24 33.29 34.45 34.32 34.38 35.61
FRA:FU3
74GF Score
First United Corp FRA:FU3
Institutional Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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First United Institutional Ownership Calculation

The percentage of shares that are owned by institutions out of the total shares outstanding.

What does a Institutional Ownership of 35.61% mean?
First United (FRA:FU3) has a Institutional Ownership of 35.61% as of Jul. 27, 2026. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on First United and its competitors.
Is First United's Institutional Ownership too high?
First United's current Institutional Ownership is 35.61%. Overall, First United has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First United's Institutional Ownership compare to WNEB and LRBI?
First United's Institutional Ownership of 35.61% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Institutional Ownership for a Banks company?
A good Institutional Ownership depends on the Banks industry context. However, Institutional Ownership should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Institutional Ownership mean?
A high Institutional Ownership can signal that a stock is expensive relative to its fundamentals. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on First United and its competitors. First United's current Institutional Ownership is 35.61%. 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 (FRA:FU3) is currently considered Modestly Overvalued. The stock's GF Value™ is €31.29, compared to a current price of €37.60 — trading 20.2% above its estimated fair value. The current Institutional Ownership is 35.61%. First United's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Institutional Ownership calculated?
Institutional Ownership is calculated from a company's financial statements. For First United (FRA:FU3), the current Institutional Ownership is 35.61% as of Jul. 27, 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 (FRA:FU3) Overvalued in 2026?

Based on GuruFocus' analysis, First United stock appears to be overvalued. The current stock price of €37.60 is trading 20.2% above its estimated GF Value™ of €31.29. GuruFocus considers First United to be Modestly Overvalued.

Key valuation signals for FRA:FU3:

  • Institutional Ownership: 35.61%
  • GF Value™: €31.29 vs. price of €37.60 (20.2% above fair value)
  • GF Score™: 74/100 with 5 warning signs

No single metric tells the full story. See the FRA:FU3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First United Business Description

Other Exchanges FUNC:USA
Address 19 South Second Street, Oakland, MD, USA, 21550-0009
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.
74GF Score

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Institutional Ownership is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€37.60
Price
€31.29
GF Value