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First UnitedFUNC -0.71%67 Intrinsic Value: Projected FCF is $64.72 as of Aug. 17, 2026, which is 11885% above its 10-year median of 0.54. GuruFocus rates FUNC with a GF Score™ of 67/100 and a GF Value™ of $38.30 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,308 Banks companies, First United ranks worse than 60.86% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-17), First United's Intrinsic Value: Projected FCF is $64.72. The stock price of First United is $45.13. Therefore, First United's Price-to-Intrinsic-Value-Projected-FCF of today is 0.7.
The historical rank and industry rank for First United's Intrinsic Value: Projected FCF or its related term are showing as below:
FUNC'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.27 Med: 0.54 Max: 0.87
Current: 0.7
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of First United was 0.87. The lowest was 0.27. And the median was 0.54.
FUNC's Price-to-Projected-FCF is ranked worse than 60.86% of 1308
companies
in the Banks industry
Industry Median: 0.595
vs FUNC: 0.70
First United (NAS:FUNC) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
First United's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
45.13
/
64.715604442051
=
0.70
* 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 Intrinsic Value: Projected FCF Related Terms
First United Intrinsic Value: Projected FCF Historical Data
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The historical data trend for First United's Intrinsic Value: Projected 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.
FUNC vs WNEB, LRBI, LCNB: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, First United's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First United's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where First United's Price-to-Projected-FCF falls into.
First United Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $64.72 mean?
First United (FUNC) has a Intrinsic Value: Projected FCF of $64.72 as of Aug. 17, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on First United and its competitors. This is 11885% above median its historical median of 0.54. Over the past decade, First United's Intrinsic Value: Projected FCF has ranged from 0.27 to 0.87. According to the industry distribution chart, First United ranks #796 out of 1308 companies in the Banks industry, placing it in the top 60.9%.
Is First United's Intrinsic Value: Projected FCF too high?
First United's current Intrinsic Value: Projected FCF of $64.72 is 11885% above median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 0.87. The Banks industry median Intrinsic Value: Projected FCF is 0.60. First United's value of $64.72 is 10777.3% above this industry median. Based on the distribution chart, First United ranks #796 out of 1308 companies in the Banks industry, which is below the industry midpoint. Overall, First United has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First United's Intrinsic Value: Projected FCF compare to WNEB and LRBI?
According to the Banks industry distribution chart, First United ranks #796 out of 1308 companies for Intrinsic Value: Projected FCF. This places First United in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. First United's value of $64.72 is 10777.3% above this benchmark. Historically, First United's own Intrinsic Value: Projected FCF has ranged from 0.27 to 0.87 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 0.60, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,308 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First United's current Intrinsic Value: Projected FCF of $64.72 is 10777.3% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on First United and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First United's current Intrinsic Value: Projected FCF is $64.72, which is 11885% above median its own 10-year median of 0.54. 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 $38.30, compared to a current price of $45.13 — trading 17.8% above its estimated fair value. The current Intrinsic Value: Projected FCF is $64.72, which is 11885% above median its 10-year median of 0.54 and 10777.3% above the Banks industry median of 0.60. First United's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For First United (FUNC), the current Intrinsic Value: Projected FCF is $64.72 as of Aug. 17, 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 $45.13 is trading 17.8% above its estimated GF Value™ of $38.30.
GuruFocus considers First United to be Modestly Overvalued.
Key valuation signals for FUNC:
Intrinsic Value: Projected FCF: $64.72 (11885% above median its 10-year median of 0.54)
GF Value™: $38.30 vs. price of $45.13 (17.8% above fair value)
Industry Position: 10777.3% above the Banks median (#796 of 1308)
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.
67GF Score
Get the complete analysis for FUNC
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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