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


FRA:FU3 First United Corp FRA:FU3
69 GF Score
Price €38.00
GF Value €32.01
! 6 Warning Signs
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What is First United ROC %?

First United FRA:FU3 +2.15% 69 ROC % is % as of Mar. 2026. GuruFocus rates FRA:FU3 with a GF Score™ of 69/100 and a GF Value™ of €32.01. The stock has 6 warning signs investors should review.

ROC %does not apply to banks.

FRA:FU3
69GF Score
First United Corp FRA:FU3
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
First United (FRA:FU3) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on First United and its competitors.
Is First United's ROC % too high?
First United's current ROC % is %. 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 % compare to ATLO and HWBK?
First United's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on First United and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First United's current ROC % 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 % of %. The stock's GF Value™ is €32.01, compared to a current price of €38.00 — trading 18.7% above its estimated fair value. The current ROC % 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 % calculated?
ROC % is calculated from a company's financial statements. For First United (FRA:FU3), the current ROC % 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 €38.00 is trading 18.7% above its estimated GF Value™ of €32.01.

Key valuation signals for FRA:FU3:

  • ROC %: %
  • GF Value™: €32.01 vs. price of €38.00 (18.7% 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

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

€38.00
Price
€32.01
GF Value