Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FUNC
BuyPremium GrowerFLAGFirst United Corporation · Financial Services · United States · $279M · Avg Vol: $774K/d
First United has quality Q57 and momentum M68 with a buyback retiring 0.94% of shares, but value at V48 is below the calibrated floor, so stage one fails.
COMPANY DESCRIPTION
First United Corporation is a community bank holding company providing a full suite of financial services, including commercial and consumer loans, deposit accounts, and wealth management. The bank differentiates itself through deep community ties and personalized service within its Mid-Atlantic operating regions. Its focus on relationship banking fosters customer loyalty and provides a competitive edge against larger financial institutions.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 75.7M | 71.3M | 79.8M | 88.9M | 5.5% | 90.4M | 97.4M | 103.3M | 7.8% |
| EPS | 3.77 | 2.25 | 3.15 | 3.78 | 0.1% | 3.86 | 3.17 | 4.57 | 10.0% |
| Shares | 6.7M | 6.6M | 6.5M | 6.5M | -2.5% | 6.5M | — | — | — |
| Debt | 33.3M | 112.5M | 172.3M | 97.1M | 42.9% | 101.2M | — | — | — |
| Equity | 151.8M | 161.9M | 179.3M | 203.6M | 10.3% | — | — | — | — |
| Op CF | 26.5M | 22.5M | 22.3M | 19.4M | -10.0% | 30.1M | — | — | — |
| Inv CF | -172.4M | -81.7M | -38.4M | -48.0M | — | — | — | — | — |
| Fin CF | 104.5M | 34.7M | 44.7M | 81.9M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FUNC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FUNC | First United Corporation(you) | $279M | 71 | Buy |
| ATLO | Ames National Corporation | $280M | 72 | Buy |
| LCNB | LCNB Corp. | $277M | 69 | Buy |
| QNBC | QNB Corp. | $281M | 69 | Buy |
| FRAF | Franklin Financial Services Corporation | $279M | 74 | Buy |
| FVCB | FVCBankcorp, Inc. | $329M | 71 | Buy |
| NKSH | National Bankshares, Inc. | $261M | 74 | Buy |
| FCCO | First Community Corporation | $316M | 69 | Buy |
| NECB | Northeast Community Bancorp, Inc. | $364M | 71 | Buy |
| NEWT | NewtekOne, Inc. | $344M | 73 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%