First United stock
FUNCNASDAQFirst United Corporation, Financial ServicesISIN US33741H1077
73Score 73 out of 100, Strong
Price and trend
80 / 100
Price history
+28% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 13% above it.
Since August 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 53).
The price is 1.9% below its 52-week high. Largest decline in 20 years: 88% (May 2007 to March 2011).
Chart figures for advanced users
- SMA 50$44.47
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$41.14
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)53
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$35.12
- The lowest closing price of the last twelve months.
- Resistance$47.30
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- In fiscal 2025 it reported revenue of $86.45M (up 8.3% year on year) and earnings of $24.52M (up 19.2%).
- MEQIRI Score 73 out of 100 (Strong): rank 295 of 976 in Financial Services, median 68.
- The P/E is 11.9 (Banks (Regional) median 12.2, own median of recent years 10.5).
Show more
- Our model puts fair value at $51.10, with the price 9% below it.
Strengths
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 83
- Share buybacksShare count down 7% since 2020.Capital allocation 67
- Earnings per share growingUp 13.1% a year since 2020.Growth 64
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are momentum and fundamentals.
computed just now
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansValuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $39.31 and expensive above $73.00 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $54.35 (excess return model) and $47.85 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is slightly below both parts; given how much the stock swings, that still counts as fair.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $46.57, at 7.8% it would be $57.89.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 8.8% on the twelve months before. Revenue has stayed largely stable since 2006.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 38%, net 28%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 3 Feb 2027in 82 days
- Last reported
- 19 Oct 2026EPS reported $1.11 (expected $1.14)below expectations
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $1,672 in total. 3 insiders sold, $547,005 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Not counted: 7 purchases under a fixed plan (compensation, savings plan or a pre-arranged Rule 10b5-1 trading plan).
- Rudy Irvin RobertSale
3 Nov 2026, Board
- Shares
- 1,000
- Price
- $46.26
- Value
- $46,255
- Rush Jason BarryPlan purchase
2 Nov 2026, Chairman, President & CEO
- Shares
- 68.27
- Price
- $46.31
- Value
- $3,161
- Sturm Tonya K.Plan purchase
2 Nov 2026, EVP & CFO
- Shares
- 2.65
- Price
- $46.31
- Value
- $123
Show 9 more
- Boal Brian R.Plan purchase
2 Nov 2026, Board
- Shares
- 78.9
- Price
- $46.31
- Value
- $3,654
- Rodeheaver Carissa LynnPlan purchase
3 Aug 2026, Board
- Shares
- 103.05
- Price
- $45.84
- Value
- $4,724
- Rodeheaver Carissa LynnPurchase
3 Aug 2026, Board
- Shares
- 36.88
- Price
- $45.32
- Value
- $1,672
- Rush Jason BarryPlan purchase
3 Aug 2026, Chairman, President & CEO
- Shares
- 63.67
- Price
- $45.84
- Value
- $2,919
- Sturm Tonya K.Plan purchase
3 Aug 2026, EVP & CFO
- Shares
- 2.47
- Price
- $45.84
- Value
- $113
- Boal Brian R.Plan purchase
3 Aug 2026, Board
- Shares
- 73.59
- Price
- $45.84
- Value
- $3,373
- Fisher Robert L. IISale
28 Jul 2026, EVP & Chief Banking Officer
- Shares
- 5,250
- Price
- $45.29
- Value
- $237,773
- Rudy Irvin RobertSale
24 Jul 2026, Board
- Shares
- 1,000
- Price
- $44.58
- Value
- $44,580
- Sanders KeithSale
23 Jul 2026, EVP & Chief Wealth Officer
- Shares
- 5,000
- Price
- $43.68
- Value
- $218,398
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at First United
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 73
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
ETFs that hold First United
Held by 3 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.02% | 0.39% | €1.47B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.22B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.00% | 0.30% | €4.28B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 22 May 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.