Is First United Stock a Good Investment?
First United Investment Advice | FUNC |
- Examine First United's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research First United's leadership team and their track record. Good management can help First United navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact First United's business and its evolving consumer preferences.
- Compare First United's performance and market position to its competitors. Analyze how First United is positioned in terms of product offerings, innovation, and market share.
- Check if First United pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about First United's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in First United stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if First United is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine First United Stock
Researching First United's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 46.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.11. Some equities with similar Price to Book (P/B) outperform the market in the long run. First United last dividend was issued on the 17th of April 2025. The entity had 105:100 split on the 13th of March 1996.
To determine if First United is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding First United's research are outlined below:
| First United generated a negative expected return over the last 90 days | |
| On 3rd of February 2025 First United paid $ 0.22 per share dividend to its current shareholders | |
| Latest headline from businesswire.com: SW Graduate School of Banking Announces New Leadership and Additions to Its Board of Trustees |
First United uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in First United. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to First United's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 8th of February 2024 Upcoming Quarterly Report | View | |
| 22nd of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 8th of February 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact First United's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises First United's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2010-11-04 | 2010-09-30 | -0.05 | -0.01 | 0.04 | 80 | ||
2002-01-22 | 2001-12-31 | 0.42 | 0.37 | -0.05 | 11 | ||
2001-10-22 | 2001-09-30 | 0.38 | 0.43 | 0.05 | 13 | ||
2007-11-05 | 2007-09-30 | 0.52 | 0.58 | 0.06 | 11 | ||
2004-05-07 | 2004-03-31 | 0.39 | 0.45 | 0.06 | 15 | ||
2006-05-05 | 2006-03-31 | 0.53 | 0.46 | -0.07 | 13 | ||
2003-11-17 | 2003-09-30 | 0.43 | 0.36 | -0.07 | 16 | ||
2008-02-26 | 2007-12-31 | 0.57 | 0.65 | 0.08 | 14 |
Know First United's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as First United is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading First United backward and forwards among themselves. First United's institutional investor refers to the entity that pools money to purchase First United's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Geode Capital Management, Llc | 2024-12-31 | 63.4 K | Pinnacle Holdings, Llc | 2024-12-31 | 59 K | American Century Companies Inc | 2024-12-31 | 54.5 K | O'shaughnessy Asset Management Llc | 2024-12-31 | 42.3 K | Qube Research & Technologies | 2024-12-31 | 39 K | Goldman Sachs Group Inc | 2024-12-31 | 38.3 K | Ejf Capital Llc | 2024-12-31 | 36.1 K | Northern Trust Corp | 2024-12-31 | 31.4 K | Millennium Management Llc | 2024-12-31 | 31.2 K | Dimensional Fund Advisors, Inc. | 2024-12-31 | 381.6 K | Vanguard Group Inc | 2024-12-31 | 305.2 K |
First United's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 200.86 M.Market Cap |
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First United's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.03 | 0.03 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.11 | 0.10 |
Determining First United's profitability involves analyzing its financial statements and using various financial metrics to determine if First United is a good buy. For example, gross profit margin measures First United's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of First United's profitability and make more informed investment decisions.
Please note, the presentation of First United's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, First United's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of First United's management manipulating its earnings.
Evaluate First United's management efficiency
First United has return on total asset (ROA) of 0.0106 % which means that it generated a profit of $0.0106 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1206 %, meaning that it created $0.1206 on every $100 dollars invested by stockholders. First United's management efficiency ratios could be used to measure how well First United manages its routine affairs as well as how well it operates its assets and liabilities. As of March 21, 2025, Return On Tangible Assets is expected to decline to 0.01. In addition to that, Return On Capital Employed is expected to decline to 0.03. At present, First United's Intangibles To Total Assets are projected to slightly decrease based on the last few years of reporting. The current year's Fixed Asset Turnover is expected to grow to 2.65, whereas Total Assets are forecasted to decline to about 1.3 B.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 21.79 | 11.35 | |
| Tangible Book Value Per Share | 20.16 | 10.32 | |
| Enterprise Value Over EBITDA | 4.82 | 4.58 | |
| Price Book Value Ratio | 1.12 | 1.34 | |
| Enterprise Value Multiple | 4.82 | 4.58 | |
| Price Fair Value | 1.12 | 1.34 | |
| Enterprise Value | 39.5 M | 37.5 M |
Leadership effectiveness at First United is a strong indicator of its financial stability. We analyze various metrics to provide insights into the stock's investment viability.
Basic technical analysis of First Stock
As of the 21st of March, First United shows the Mean Deviation of 1.55, variance of 5.97, and Standard Deviation of 2.44. First United technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.First United's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First United insiders, such as employees or executives, is commonly permitted as long as it does not rely on First United's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First United insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
First United's Outstanding Corporate Bonds
First United issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First United uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First United has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 4875 Corp BondUS55336VAJ98 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| BNP Paribas FRN Corp BondUSF1R15XK367 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View |
Understand First United's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing First United's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.06) | |||
| Market Risk Adjusted Performance | (0.25) | |||
| Mean Deviation | 1.55 | |||
| Coefficient Of Variation | (1,380) | |||
| Standard Deviation | 2.44 | |||
| Variance | 5.97 | |||
| Information Ratio | (0.05) | |||
| Jensen Alpha | (0.13) | |||
| Total Risk Alpha | 0.0193 | |||
| Treynor Ratio | (0.26) | |||
| Maximum Drawdown | 16.12 | |||
| Value At Risk | (3.72) | |||
| Potential Upside | 2.5 | |||
| Skewness | 1.46 | |||
| Kurtosis | 6.28 |
| Risk Adjusted Performance | (0.06) | |||
| Market Risk Adjusted Performance | (0.25) | |||
| Mean Deviation | 1.55 | |||
| Coefficient Of Variation | (1,380) | |||
| Standard Deviation | 2.44 | |||
| Variance | 5.97 | |||
| Information Ratio | (0.05) | |||
| Jensen Alpha | (0.13) | |||
| Total Risk Alpha | 0.0193 | |||
| Treynor Ratio | (0.26) | |||
| Maximum Drawdown | 16.12 | |||
| Value At Risk | (3.72) | |||
| Potential Upside | 2.5 | |||
| Skewness | 1.46 | |||
| Kurtosis | 6.28 |
Consider First United's intraday indicators
First United intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First United stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
First United Corporate Filings
F4 | 19th of March 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 7th of March 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 14th of February 2025 Other Reports | ViewVerify | |
13A | 14th of November 2024 The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934 | ViewVerify |
First Stock media impact
Far too much social signal, news, headlines, and media speculation about First United that are available to investors today. That information is available publicly through First media outlets and privately through word of mouth or via First internal channels. However, regardless of the origin, that massive amount of First data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of First United news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of First United relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to First United's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive First United alpha.
First United Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards First United can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
First United Corporate Management
| Keith MBA | Senior Officer | Profile | |
| Julie Peterson | Senior Officer | Profile | |
| CPA CFP | Pres Chairman | Profile | |
| Robert II | Senior Officer | Profile |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First United. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors. For information on how to trade First Stock refer to our How to Trade First Stock guide.You can also try the Investing Opportunities module to build portfolios using our predefined set of ideas and optimize them against your investing preferences.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First United. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First United listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 2.593 | Dividend Share 0.84 | Earnings Share 3.15 | Revenue Per Share | Quarterly Revenue Growth 0.406 |
The market value of First United is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First United's value that differs from its market value or its book value, called intrinsic value, which is First United's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First United's market value can be influenced by many factors that don't directly affect First United's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between First United's value and its price, as these two are different measures arrived at by various means. Investors typically determine if First United is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First United's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.