First United (FRA:FU3) Tariff Resilience Score: 9/10 (As of Jul. 09, 2026)


FRA:FU3 First United Corp FRA:FU3
69 GF Score
Price €37.40
GF Value €31.10
! 5 Warning Signs
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What is First United Tariff Resilience Score?

First United FRA:FU3 -0.53% 69 Tariff Resilience Score is 9 as of Jul. 09, 2026. GuruFocus rates FRA:FU3 with a GF Score™ of 69/100 and a GF Value™ of €31.10. The stock has 5 warning signs investors should review. Among 1,606 Banks companies, First United ranks better than 99.25% on this metric.

First United has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

First United has First United Corp is a regional bank with operations focused in the US, resulting in negligible exposure to international trade tariffs. Its financial services are not directly impacted by tariffs, providing a high level of resilience against trade policy changes.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes First United might have Highly Resilient.

First United  (FRA:FU3) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

First United Tariff Resilience Score Related Terms

FRA:FU3 vs FNRN, NASB, ISBA: Tariff Resilience Score Comparison

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

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

* The bar in red indicates where First United's Tariff Resilience Score falls into.


FRA:FU3
69GF Score
First United Corp FRA:FU3
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
First United (FRA:FU3) has a Tariff Resilience Score of 9 as of Jul. 09, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, First United ranks #12 out of 1606 companies in the Banks industry, placing it in the top 0.7%.
Is First United's Tariff Resilience Score too high?
First United's current Tariff Resilience Score is 9. Based on the distribution chart, First United ranks #12 out of 1606 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to FNRN and NASB?
According to the Banks industry distribution chart, First United ranks #12 out of 1606 companies for Tariff Resilience Score. This places First United in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. First United's current Tariff Resilience Score is 9. 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 Tariff Resilience Score of 9. The stock's GF Value™ is €31.10, compared to a current price of €37.40 — trading 20.3% above its estimated fair value. The current Tariff Resilience Score is 9. First United's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For First United (FRA:FU3), the current Tariff Resilience Score is 9 as of Jul. 09, 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 20.3% above its estimated GF Value™ of €31.10.

Key valuation signals for FRA:FU3:

  • Tariff Resilience Score: 9
  • GF Value™: €31.10 vs. price of €37.40 (20.3% above fair value)
  • GF Score™: 69/100 with 5 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

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

€37.40
Price
€31.10
GF Value