-0.06%
-4.12%
1.83%
14.90%
42.13%
62.01%
35.17%
Stock-Card

AI Spotlight on FUNC

Company Description

First United Corporation operates as the bank holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals.The company offers various deposit products, including checking accounts, savings and money market accounts, regular and individual retirement accounts (IRA) certificates of deposit, Christmas savings accounts, college savings accounts, and health savings accounts; Certificate of Deposit Account Registry Service program and Insured Cash Sweep program to municipalities, businesses, and consumers; and commercial customers packages, which include treasury management, cash sweep, and various checking opportunities.It also provides loans, such as commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings; residential mortgage loans; home equity lines of credit; residential real estate construction loans; and indirect and direct auto loans, student loans, term loans, and other secured and unsecured lines of credit and term loans.


In addition, the company offers various trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts that consist of IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning services; insurance products; brokerage services; and safe deposit and night depository facilities.It operates 26 banking offices, one customer care center, and 34 automated teller machines in Allegany, Frederick, Garrett, and Washington counties in Maryland; and in Mineral, Berkeley, Monongalia, and Harrison counties in West Virginia.First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.

Market Data

Last Price 32.32
Change Percentage -0.06%
Open 32.32
Previous Close 32.34
Market Cap ( Millions) 209
Volume 17467
Year High 36.49
Year Low 19.17
M A 50 34.12
M A 200 27.92

Financial Ratios

FCF Yield 9.04%
Dividend Yield 2.60%
ROE 9.70%
Debt / Equity 98.37%
Net Debt / EBIDTA 1411.70%
Price To Book 1.2
Price Earnings Ratio 12.95
Price To FCF 11.06
Price To sales 2.13
EV / EBITDA 41.26

News

Business Breakdown

Expected Mid-Term Growth

Segment n°1 -> Community Banking

Expected Growth : 9 %

What the company do ?

Community Banking from First United Corporation offers personalized banking services to local communities, providing loans, deposit accounts, and other financial solutions to individuals and businesses.

Why we expect these perspectives ?

Strong community presence, diversified loan portfolio, and strategic branch expansion drive growth. 9% growth rate is attributed to increased commercial lending, robust deposit growth, and effective cost management. Additionally, investments in digital banking platforms and customer relationship management systems enhance customer experience, contributing to the corporation's growth momentum.

First United Corporation Products

Product Range What is it ?
Commercial Banking First United Corporation provides a range of commercial banking services to businesses, including cash management, lending, and treasury management solutions.
Consumer Banking First United Corporation offers a variety of consumer banking services, including checking and savings accounts, credit cards, and personal loans.
Mortgage Lending First United Corporation provides mortgage lending services to individuals and families, offering a range of loan options and competitive rates.
Wealth Management First United Corporation's wealth management services provide investment and financial planning advice to individuals and families.
Insurance Services First United Corporation offers a range of insurance services, including life insurance, disability insurance, and long-term care insurance.

First United Corporation's Porter Forces

The threat of substitutes for First United Corporation is moderate, as customers have some alternatives to choose from, but they are not very attractive.

The bargaining power of customers is high, as they have many options to choose from and can easily switch to competitors.

The bargaining power of suppliers is low, as First United Corporation has many suppliers to choose from and can negotiate better prices.

The threat of new entrants is moderate, as there are some barriers to entry, but it's not impossible for new companies to enter the market.

The intensity of rivalry is high, as there are many competitors in the market, and they are all fighting for market share.

Strength

Weaknesses

Opportunities

Threats

Capital Structure

Value
Debt Weight 49.19%
Debt Cost 4.05%
Equity Weight 50.81%
Equity Cost 8.08%
WACC 6.10%
Leverage 96.81%

First United Corporation : Quality Control

Historical Valuation

Price/Earnings Ratio

Margin Valuation

Peers Valuation

Competitors

Company Rational
CPF Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It …
HOPE Hope Bancorp, Inc. operates as the bank holding company for Bank of Hope that provides banking services for small and medium-sized businesses, and individuals in the United States. The company …
UBFO United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, …
BPRN The Bank of Princeton provides various banking products and services. It accepts various deposit products, including checking, savings, attorney trust, and money market accounts, as well as certificates of deposit. …
STBA S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services. The company operates through six segments: Commercial Real Estate, …

Peers Metrics

DCF BETA

Parameters

Short Term Growth
Short term Time
Long-Term Growth
WACC
Target Price
32.32$
Current Price
32.32$
Potential
-0.00%

Expected Cash-Flows

Scoring Insights

Peers Group Analysis

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