First United (FRA:FU3) Growth Rank: 4 (As of Sep. 11, 2026) — Near Median

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FRA:FU3 First United Corp FRA:FU3
73 GF Score
Price €36.40
GF Value €33.90
Valuation Fairly Valued
! 7 Warning Signs
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What is First United Growth Rank?

First United FRA:FU3 -0.55% 73 Growth Rank is 4 as of Sep. 11, 2026, which is at its 10-year median of 4.00. GuruFocus rates FRA:FU3 with a GF Score™ of 73/100 and a GF Value™ of €33.90 (Fairly Valued). The stock has 7 warning signs investors should review.

First United has the Growth Rank of 4.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

FRA:FU3 vs FRAF, FXNC, LCNB: Growth Rank Comparison

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

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

* The bar in red indicates where First United's Growth Rank falls into.


FRA:FU3
73GF Score
First United Corp FRA:FU3
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 4 mean?
First United (FRA:FU3) has a Growth Rank of 4 as of Sep. 11, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on First United and its competitors. This is near median its historical median of 4.00. Over the past decade, First United's Growth Rank has ranged from 2.00 to 8.00.
Is First United's Growth Rank too high?
First United's current Growth Rank of 4 is near 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 8.00. Overall, First United has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First United's Growth Rank compare to FRAF and FXNC?
First United's Growth Rank of 4 can be compared against companies in the Banks industry. Historically, First United's own Growth Rank has ranged from 2.00 to 8.00 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 Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on First United and its competitors. First United's current Growth Rank is 4, which is near 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 (FRA:FU3) is currently considered Fairly Valued. The stock's GF Value™ is €33.90, compared to a current price of €36.40 — trading 7.4% above its estimated fair value. The current Growth Rank is 4, which is near median its 10-year median of 4.00. First United's overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For First United (FRA:FU3), the current Growth Rank is 4 as of Sep. 11, 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 €36.40 is trading 7.4% above its estimated GF Value™ of €33.90. GuruFocus considers First United to be Fairly Valued.

Key valuation signals for FRA:FU3:

  • Growth Rank: 4 (near median its 10-year median of 4.00)
  • GF Value™: €33.90 vs. price of €36.40 (7.4% above fair value)
  • GF Score™: 73/100 with 7 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.
73GF Score

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

€36.40
Price
€33.90
GF Value