First United (FRA:FU3) Moat Score: 3/10 (As of Jul. 05, 2026)


FRA:FU3 First United Corp FRA:FU3
69 GF Score
Price €38.20
GF Value €31.36
! 5 Warning Signs
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What is First United Moat Score?

First United FRA:FU3 -3.54% 69 Moat Score is 3 as of Jul. 05, 2026. GuruFocus rates FRA:FU3 with a GF Score™ of 69/100 and a GF Value™ of €31.36. The stock has 5 warning signs investors should review. Among 1,612 Banks companies, First United ranks better than 74.57% on this metric.

First United has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

First United has No Moat: First United Corp operates in a competitive banking sector with limited market leadership and pricing power. While it may have some regional presence, it lacks significant customer switching costs or regulatory advantages, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First United might have No Moat - Very weak/transient advantages.

First United  (FRA:FU3) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First United Moat Score Related Terms

FRA:FU3 vs FNRN, NASB, ISBA: Moat Score Comparison

For the Banks - Regional subindustry, First United's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, First United's Moat Score distribution charts can be found below:

* The bar in red indicates where First United's Moat Score falls into.


FRA:FU3
69GF Score
First United Corp FRA:FU3
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
First United (FRA:FU3) has a Moat Score of 3 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First United ranks #410 out of 1612 companies in the Banks industry, placing it in the top 25.4%.
Is First United's Moat Score too high?
First United's current Moat Score is 3. Based on the distribution chart, First United ranks #410 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, First United has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does First United's Moat Score compare to FNRN and NASB?
According to the Banks industry distribution chart, First United ranks #410 out of 1612 companies for Moat Score. This puts First United in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First United's current Moat Score is 3. 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 Moat Score of 3. The stock's GF Value™ is €31.36, compared to a current price of €38.20 — trading 21.8% above its estimated fair value. The current Moat Score is 3. First United's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First United (FRA:FU3), the current Moat Score is 3 as of Jul. 05, 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 €38.20 is trading 21.8% above its estimated GF Value™ of €31.36.

Key valuation signals for FRA:FU3:

  • Moat Score: 3
  • GF Value™: €31.36 vs. price of €38.20 (21.8% above fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for FRA:FU3

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

€38.20
Price
€31.36
GF Value