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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
First United has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
First United Corp displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate First United's interest coverage with the available data.
First United's debt to revenue ratio for the quarter that ended in Jun. 2026 was 1.06.
Altman Z-Score does not apply to banks and insurance companies.
First United (NAS:FUNC) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
First United has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 (FUNC) has a Financial Strength of 3 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on First United and its competitors. This is 25% below median its historical median of 4.00. Over the past decade, First United's Financial Strength has ranged from 2.00 to 5.00.
Is First United's Financial Strength too high?
First United's current Financial Strength of 3 is 25% below median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 5.00. Overall, First United has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First United's Financial Strength compare to WNEB and LRBI?
First United's Financial Strength of 3 can be compared against companies in the Banks industry. Historically, First United's own Financial Strength has ranged from 2.00 to 5.00 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 Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on First United and its competitors. First United's current Financial Strength is 3, which is 25% below median its own 10-year median of 4.00. 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 $38.14, compared to a current price of $44.35 — trading 16.3% above its estimated fair value. The current Financial Strength is 3, which is 25% below median its 10-year median of 4.00. First United's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For First United (FUNC), the current Financial Strength is 3 as of Jun. 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 $44.35 is trading 16.3% above its estimated GF Value™ of $38.14.
GuruFocus considers First United to be Modestly Overvalued.
Key valuation signals for FUNC:
Financial Strength: 3 (25% below median its 10-year median of 4.00)
GF Value™: $38.14 vs. price of $44.35 (16.3% above fair value)
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.
65GF Score
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