First United (FRA:FU3) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

FRA:FU3 First United Corp FRA:FU3
69 GF Score
Price €38.60
GF Value €31.00
! 6 Warning Signs
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What is First United ROC (Joel Greenblatt) %?

First United FRA:FU3 +1.58% 69 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates FRA:FU3 with a GF Score™ of 69/100 and a GF Value™ of €31.00. The stock has 6 warning signs investors should review. Among 46 Banks companies, First United ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FRA:FU3
69GF Score
First United Corp FRA:FU3
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
First United (FRA:FU3) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on First United and its competitors. According to the industry distribution chart, First United ranks #999999 out of 46 companies in the Banks industry.
Is First United's ROC (Joel Greenblatt) % too high?
First United's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, First United ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to FNRN and NASB?
According to the Banks industry distribution chart, First United ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places First United in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on First United and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First United's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % of %. The stock's GF Value™ is €31.00, compared to a current price of €38.60 — trading 24.5% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For First United (FRA:FU3), the current ROC (Joel Greenblatt) % is % 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 €38.60 is trading 24.5% above its estimated GF Value™ of €31.00.

Key valuation signals for FRA:FU3:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €31.00 vs. price of €38.60 (24.5% above fair value)
  • GF Score™: 69/100 with 6 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€38.60
Price
€31.00
GF Value