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First UnitedFRA:FU3 +1.08%73 OCF Yield % is 9.28 as of Jul. 23, 2026, which is 31% below its 10-year median of 13.47. GuruFocus rates FRA:FU3 with a GF Score™ of 73/100 and a GF Value™ of €31.17 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,495 Banks companies, First United ranks better than 50.37% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
First United OCF Yield % Related Terms
First United OCF Yield % Historical Data
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The historical data trend for First United's OCF Yield % 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 FNRN, NASB, ISBA: OCF Yield % Comparison
For the Banks - Regional subindustry, First United's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, First United's OCF Yield % distribution charts can be found below:
* The bar in red indicates where First United's OCF Yield % 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 OCF Yield % of 9.28 as of Jul. 23, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on First United and its competitors. This is 31% below median its historical median of 13.47. Over the past decade, First United's OCF Yield % has ranged from 5.38 to 33.74. According to the industry distribution chart, First United ranks #742 out of 1495 companies in the Banks industry, placing it in the top 49.6%.
Is First United's OCF Yield % too high?
First United's current OCF Yield % of 9.28 is 31% below median its 10-year median of 13.47. Over the past 10 years, this metric has ranged from a low of 5.38 to a high of 33.74. The Banks industry median OCF Yield % is 9.21. First United's value of 9.28 is 0.8% above this industry median. Based on the distribution chart, First United ranks #742 out of 1495 companies in the Banks industry, which is above the industry midpoint. Overall, First United has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First United's OCF Yield % compare to FNRN and NASB?
According to the Banks industry distribution chart, First United ranks #742 out of 1495 companies for OCF Yield %. This puts First United in the upper half of its industry. The industry median OCF Yield % is 9.21. First United's value of 9.28 is 0.8% above this benchmark. Historically, First United's own OCF Yield % has ranged from 5.38 to 33.74 over the past decade. While the company's 10-year median is 13.47 vs. the industry median of 9.21, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.21, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First United's current OCF Yield % of 9.28 is 0.8% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on First United and its competitors. For the Banks industry, the median OCF Yield % is 9.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First United's current OCF Yield % is 9.28, which is 31% below median its own 10-year median of 13.47. 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 €31.17, compared to a current price of €37.40 — trading 20% above its estimated fair value. The current OCF Yield % is 9.28, which is 31% below median its 10-year median of 13.47 and 0.8% above the Banks industry median of 9.21. First United's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For First United (FRA:FU3), the current OCF Yield % is 9.28 as of Jul. 23, 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 €37.40 is trading 20% above its estimated GF Value™ of €31.17.
GuruFocus considers First United to be Modestly Overvalued.
Key valuation signals for FRA:FU3:
OCF Yield %: 9.28 (31% below median its 10-year median of 13.47)
GF Value™: €31.17 vs. price of €37.40 (20% above fair value)
Industry Position: 0.8% above the Banks median (#742 of 1495)
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.
73GF Score
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