FUNC

First United Corporation

Financial Services · $281M market cap

Verdict

Share price

$43.62

close of Oct 3, 2026

Fair value

$75.38

Sticker Price

Payback Price

$30.15

buy price

Undervalued

FUNC is Undervalued: at $43.62 it trades 42% below its fair value of $75.38. Its buy price (Payback Price) is $30.15, 31% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth11.4% a year✓
Equity per share growth3.2% a year✗
Sales growth0.4% a year✗
Free cash flow growth2.5% a year✗
Return on invested capital5.5%✗

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Insider activity

Since May 7, 2026: 5 open-market purchases worth $13K, 3 sales worth $501K and 5 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Sales

Other filings

About First United Corporation

First United Corporation acts as the holding company for First United Bank & Trust, which delivers a wide array of retail and commercial banking solutions to both businesses and individual customers. The bank offers a diverse portfolio of deposit accounts, encompassing standard checking, savings, and money market options, in addition to specialized choices like regular and Individual Retirement Account (IRA)…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works