First United Corporation Common Stock (FUNC)

FairStock Score: 55/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

First United is a small regional bank holding company with 315 employees, earning money from community banking and wealth management. Banks are not natural moats; local deposits and relationships help, but the provided data does not let me verify pricing power or credit discipline. The long-term record is respectable: filed net income rose from $15.1M in FY2023 (period ended 2023-12-31) to $20.6M in FY2024 and $24.5M in FY2025 (period ended 2025-12-31), with diluted EPS rising from $2.25 to $3.15 to $3.77. But the trend has softened. In fiscal Q2 2026 (quarter ended 2026-06-30), net income was $5.7M and diluted EPS $0.88, below fiscal Q1 2026's $6.7M and $1.03, and below fiscal Q3 2025's $6.9M and $1.07. FairStock's calculations at the 2026-10-13 close of $44.09 show a P/E of 11.42, price-to-book of 1.34, ROE of 12.42%, a 2.54% dividend yield, beta of 0.51, FairStock Score 55/100, and a Piotroski F-Score of 4/9. The Lynch category is STALWART, based on 12.1% annual profit growth and 5.7% revenue growth over five years. That is a fair, not thrilling, profile. A 12.4% ROE at 1.34 times book offers no obvious bargain, especially with profit growth listed at -5.30%. I would need CET1, net interest margin, loan-loss reserves, nonperforming assets, and credit-cost data, none of which are provided; combined ratio is not a bank measure. Without them, I view it as a steady small bank priced close to fair value, with limited margin of safety.

In plain English: First United is a small bank holding company that offers everyday banking and wealth management services. Its profits have been steady over the past few years, but recent quarterly earnings have slipped a bit, and it carries normal risk for a small bank. At the recent price, the shares look roughly fairly valued rather than clearly cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer