First UnitedFRA:FU3 -3.68%68 Median PS Value is €22.56 as of Jun. 27, 2026, which is 100% below its 10-year median of 1.39. GuruFocus rates FRA:FU3 with a GF Score™ of 68/100 and a GF Value™ of €29.26. The stock has 6 warning signs investors should review. Among 1,042 Banks companies, First United ranks worse than 81.19% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. First United's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €12.063. First United's 10-Year median PS Ratio is 1.8702. Therefore, the Median PS Value for today is €22.56.
As of today (2026-06-27), First United's share price is €36.60. First United's Median PS Value is €22.56. Therefore, First United's Price to Median PS Value for today is 1.62.
The historical rank and industry rank for First United's Median PS Value or its related term are showing as below:
FRA:FU3'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.73 Med: 1.39 Max: 2.52
Current: 1.62
During the past 13 years, the highest Price to Median PS Value of First United was 2.52. The lowest was 0.73. And the median was 1.39.
FRA:FU3's Price-to-Median-PS-Value is ranked worse than 81.19% of 1042
companies
in the Banks industry
Industry Median: 1.11
vs FRA:FU3: 1.62
First United (FRA:FU3) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
First United's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
36.60
/
22.56
=
1.62
* 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 Median PS Value Related Terms
First United Median PS Value Historical Data
* Premium members only.
The historical data trend for First United's Median PS Value 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.
FRA:FU3 vs ATLO, HWBK, FXNC: Median PS Value Comparison
For the Banks - Regional subindustry, First United's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, First United's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where First United's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.8702.
First United's Revenue per Share 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 €12.063.
* 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 (FRA:FU3) has a Median PS Value of €22.56 as of Jun. 27, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on First United and its competitors. This is 1523% above median its historical median of 1.39. Over the past decade, First United's Median PS Value has ranged from 0.73 to 2.52. According to the industry distribution chart, First United ranks #846 out of 1042 companies in the Banks industry, placing it in the top 81.2%.
Is First United's Median PS Value too high?
First United's current Median PS Value of €22.56 is 1523% above median its 10-year median of 1.39. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 2.52. Based on the distribution chart, First United ranks #846 out of 1042 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First United has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does First United's Median PS Value compare to ATLO and HWBK?
According to the Banks industry distribution chart, First United ranks #846 out of 1042 companies for Median PS Value. This places First United in the lower half of its industry. The industry median Median PS Value is 1.11. Historically, First United's own Median PS Value has ranged from 0.73 to 2.52 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on First United and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First United's current Median PS Value is €22.56, which is 1523% above median its own 10-year median of 1.39. 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?
First United (FRA:FU3) has a current Median PS Value of €22.56. The stock's GF Value™ is €29.26, compared to a current price of €36.60 — trading 25.1% above its estimated fair value. The current Median PS Value is €22.56, which is 1523% above median its 10-year median of 1.39. First United's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For First United (FRA:FU3), the current Median PS Value is €22.56 as of Jun. 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 €36.60 is trading 25.1% above its estimated GF Value™ of €29.26.
Key valuation signals for FRA:FU3:
Median PS Value: €22.56 (1523% above median its 10-year median of 1.39)
GF Value™: €29.26 vs. price of €36.60 (25.1% above fair value)
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 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.
68GF Score
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