First UnitedFRA:FU3 +5.68%69 Net Margin % is 28.51% as of Mar. 2026, which is 36% above its 10-year median of 20.95. GuruFocus rates FRA:FU3 with a GF Score™ of 69/100 and a GF Value™ of €31.04. The stock has 6 warning signs investors should review. Among 1,526 Banks companies, First United ranks better than 53.67% on this metric.
Net margin is calculated as Net Income divided by its Revenue. First United's Net Income for the
three
months ended in Mar. 2026 was €5.76 Mil. First United's Revenue for the
three
months ended in Mar. 2026 was €20.21 Mil. Therefore, First United's net margin for the quarter that ended in Mar. 2026 was 28.51%.
The historical rank and industry rank for First United's Net Margin % or its related term are showing as below:
FRA:FU3'
s Net Margin % Range Over the Past 10 Years
Min: 9.77 Med: 20.95 Max: 33.11
Current: 27.79
FRA:FU3's Net Margin % is ranked better than 53.67% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FRA:FU3: 27.79
First United (FRA:FU3) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First United Net Margin % Related Terms
First United Net Margin % Historical Data
* Premium members only.
The historical data trend for First United's Net Margin % 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: Net Margin % Comparison
For the Banks - Regional subindustry, First United's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First United's Net Margin % distribution charts can be found below:
* The bar in red indicates where First United's Net Margin % falls into.
* 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 Net Margin % of 28.51% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on First United and its competitors. This is 36% above median its historical median of 20.95. Over the past decade, First United's Net Margin % has ranged from 9.77 to 33.11. According to the industry distribution chart, First United ranks #707 out of 1526 companies in the Banks industry, placing it in the top 46.3%.
Is First United's Net Margin % too high?
First United's current Net Margin % of 28.51% is 36% above median its 10-year median of 20.95. Over the past 10 years, this metric has ranged from a low of 9.77 to a high of 33.11. The Banks industry median Net Margin % is 26.97. First United's value of 28.51% is 5.7% above this industry median. Based on the distribution chart, First United ranks #707 out of 1526 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 Net Margin % compare to ATLO and HWBK?
According to the Banks industry distribution chart, First United ranks #707 out of 1526 companies for Net Margin %. This puts First United in the upper half of its industry. The industry median Net Margin % is 26.97. First United's value of 28.51% is 5.7% above this benchmark. Historically, First United's own Net Margin % has ranged from 9.77 to 33.11 over the past decade. While the company's 10-year median is 20.95 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First United's current Net Margin % of 28.51% is 5.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First United and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First United's current Net Margin % is 28.51%, which is 36% above median its own 10-year median of 20.95. 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 Net Margin % of 28.51%. The stock's GF Value™ is €31.04, compared to a current price of €37.20 — trading 19.8% above its estimated fair value. The current Net Margin % is 28.51%, which is 36% above median its 10-year median of 20.95 and 5.7% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First United (FRA:FU3), the current Net Margin % is 28.51% as of Mar. 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 €37.20 is trading 19.8% above its estimated GF Value™ of €31.04.
Key valuation signals for FRA:FU3:
Net Margin %: 28.51% (36% above median its 10-year median of 20.95)
GF Value™: €31.04 vs. price of €37.20 (19.8% above fair value)
Industry Position: 5.7% above the Banks median (#707 of 1526)
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.
69GF Score
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