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Company Analysis

First FUNC

A comprehensive view of key metrics, scores, and financial health for First

Overview of First United Corporation

FUNC NMS
Financial Services Banks - Regional Framework: Banks & Lenders Micro Cap
First United Corporation (FUNC), is a Micro Cap company, in the Banks - Regional industry, last closed at $41.87, about 24.4% overvalued vs fair value, +44.9% 1Y return, ranked 715/1037 in sector.
Metrics Rev Growth 49.4% ROE 12.8% Gross Margin 70.2%
USD 41.87
0.53%
(Delayed)
• Vol 90d: 21.7%
52-Week Range
Market Cap
$268.40M
Enterprise Value
$254.52M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

Website https://mybank.com
HQ Oakland, MD
Employees 291
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$18
$32
$59
Current: $41.87 -24% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$92.0M
13.4%%
Interest Expense
$32.7M
Net Interest Income
$60.0M
5.5%%
Total Revenue
$119.2M
49.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.5%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.4M
45.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
66
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
62
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FUNC's balance between Growth (38.3%), Profitability (35.0%), and Safety (26.7%). Growth 38% Safety 27% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

67th percentile vs peers
68
Key Signals
NII Growth YoY 5.5% 63p Asset Growth YoY 5.8% 60p EPS Growth YoY 39.1% 81p Equity Growth YoY 10.8% 73p
Strengths
  • EPS Growth YoY in top 20% of peers (39.1%, 81th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

61th percentile vs peers
62
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
47
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$31.66
- - -
-24.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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