First United Corporation (FUNC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First United Corporation stock (FUNC) is currently trading at $36.70. First United Corporation PE ratio is 9.57. First United Corporation PS ratio (Price-to-Sales) is 2.73. Analyst consensus price target for FUNC is $44.00. WallStSmart rates FUNC as Moderate Buy.
- FUNC PE ratio analysis and historical PE chart
- FUNC PS ratio (Price-to-Sales) history and trend
- FUNC intrinsic value — DCF, Graham Number, EPV models
- FUNC stock price prediction 2025 2026 2027 2028 2029 2030
- FUNC fair value vs current price
- FUNC insider transactions and insider buying
- Is FUNC undervalued or overvalued?
- First United Corporation financial analysis — revenue, earnings, cash flow
- FUNC Piotroski F-Score and Altman Z-Score
- FUNC analyst price target and Smart Rating
First United Corporation
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FUNC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First United Corporation (FUNC)
FUNC trades 47% above its Graham fair value of $25.64, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First United Corporation (FUNC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around market cap and eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
First United Corporation (FUNC) Key Strengths (4)
Growing significantly faster than its price suggests
Keeps $43 of every $100 in revenue after operating costs
Keeps $28 of every $100 in revenue as net profit
Trading at 1.15x book value, attractively priced
Supporting Valuation Data
First United Corporation (FUNC) Areas to Watch (6)
Earnings declining -7.00%, profits shrinking
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Revenue is fairly priced at 2.73x sales
Solid revenue growth at 11.30% per year
Moderate institutional interest at 48.39%
First United Corporation (FUNC) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.5/10) while 6 fall into concern territory (avg 4.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (0.33), Price/Book (1.15) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 43.40%, Profit Margin at 28.50%.
The Bear Case
The primary concerns are EPS Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (2.73) suggest expensive pricing. Growth concerns include Revenue Growth at 11.30%, EPS Growth at -7.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.80% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Operating Margin) and negatives (EPS Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FUNC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FUNC's Price-to-Sales ratio of 2.73x trades 157% above its historical average of 1.06x (98th percentile), historically expensive. The current valuation is 1% below its historical high of 2.76x set in Feb 2026, and 992% above its historical low of 0.25x in Nov 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for First United Corporation (FUNC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First United Corporation is a mature, profitable business with steady cash generation. Revenue reached 86M with 11% growth year-over-year. Profit margins are strong at 28.5%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 28.5% and operating margin of 43.4% demonstrate strong pricing power and operational efficiency.
Generating 8M in free cash flow and 10M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First United Corporation.
Bottom Line
First United Corporation is a well-established business delivering consistent profitability with 28.5% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(26 last 3 months)
| Insider | Type | Shares |
|---|---|---|
TASKER, ANTHONY JAMES SVP & COO | Buy | +0.846 |
Data sourced from SEC Form 4 filings
Last updated: 10:06:58 AM
About First United Corporation(FUNC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First United Corporation is the banking holding company for First United Bank & Trust providing various retail and commercial banking services to businesses and individuals. The company is headquartered in Oakland, Maryland.