First United Stock Buy Hold or Sell Recommendation
| FUNC Stock | USD 35.56 0.03 0.08% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding First United is 'Buy'. Macroaxis provides First United buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding FUNC positions.
Check out First United Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade First Stock refer to our How to Trade First Stock guide. In addition, we conduct extensive research on individual companies such as First and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards 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.
First |
Execute First United Buy or Sell Advice
The First recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on First United. Macroaxis does not own or have any residual interests in First United or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute First United's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Buy
Market Performance | Solid | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Barely shadows the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Hold | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
First United Trading Alerts and Improvement Suggestions
| On 1st of November 2024 First United paid $ 0.22 per share dividend to its current shareholders | |
| Latest headline from news.google.com: First United Corporation Announces First Quarter 2025 Dividend, Payable on February 3, 2025 - Marketscreener.com |
First United Returns Distribution Density
The distribution of First United's historical returns is an attempt to chart the uncertainty of First United's future price movements. The chart of the probability distribution of First United daily returns describes the distribution of returns around its average expected value. We use First United price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of First United returns is essential to provide solid investment advice for First United.
| Mean Return | 0.34 | Value At Risk | -0.63 | Potential Upside | 2.56 | Standard Deviation | 1.23 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of First United historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
First Stock Institutional Investors
| Shares | Pinnacle Holdings, Llc | 2024-06-30 | 59.2 K | American Century Companies Inc | 2024-09-30 | 40.1 K | Royal Bank Of Canada | 2024-06-30 | 36.6 K | Ejf Capital Llc | 2024-09-30 | 36 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 32 K | Northern Trust Corp | 2024-09-30 | 31.4 K | Citadel Advisors Llc | 2024-09-30 | 25.7 K | Empowered Funds, Llc | 2024-06-30 | 22.5 K | State Street Corp | 2024-06-30 | 21.2 K | Dimensional Fund Advisors, Inc. | 2024-09-30 | 383.7 K | Fourthstone Llc | 2024-06-30 | 339.2 K |
First United Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 26.4M | 99.5M | (33.7M) | (41.4M) | (24.6M) | (23.3M) | |
| Free Cash Flow | 12.4M | 14.6M | 18.9M | 23.0M | 22.2M | 17.4M | |
| Depreciation | 3.4M | 3.6M | 3.4M | 3.6M | 4.9M | 2.8M | |
| Other Non Cash Items | (2.1M) | (278K) | (2.8M) | (3.2M) | 2.7M | 2.6M | |
| Dividends Paid | 3.1M | 3.6M | 3.9M | 4.0M | 5.2M | 3.7M | |
| Capital Expenditures | 4.0M | 1.6M | 1.1M | 3.6M | 353K | 335.4K | |
| Net Income | 13.1M | 13.8M | 19.8M | 25.0M | 15.1M | 8.9M | |
| End Period Cash Flow | 50.0M | 149.4M | 115.7M | 74.3M | 49.8M | 58.4M | |
| Investments | (33.5M) | (191.3M) | (33.3M) | (168.5M) | (77.6M) | (73.7M) | |
| Net Borrowings | (29.0M) | 432K | (61.5M) | 6.9M | 7.9M | 8.3M | |
| Change To Netincome | 270K | 594K | 1.3M | (769K) | (692.1K) | (657.5K) |
First United Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to First United or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that First United's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a First stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.21 | |
β | Beta against Dow Jones | 1.05 | |
σ | Overall volatility | 1.26 | |
Ir | Information ratio | 0.18 |
First United Volatility Alert
First United exhibits relatively low volatility with skewness of 2.87 and kurtosis of 13.56. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure First United's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact First United's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.First United Fundamentals Vs Peers
Comparing First United's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze First United's direct or indirect competition across all of the common fundamentals between First United and the related equities. This way, we can detect undervalued stocks with similar characteristics as First United or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of First United's fundamental indicators could also be used in its relative valuation, which is a method of valuing First United by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare First United to competition |
| Fundamentals | First United | Peer Average |
| Return On Equity | 0.0981 | -0.31 |
| Return On Asset | 0.0084 | -0.14 |
| Profit Margin | 0.23 % | (1.27) % |
| Operating Margin | 0.40 % | (5.51) % |
| Current Valuation | 340.11 M | 16.62 B |
| Shares Outstanding | 6.47 M | 571.82 M |
| Shares Owned By Insiders | 7.80 % | 10.09 % |
| Shares Owned By Institutions | 44.74 % | 39.21 % |
| Number Of Shares Shorted | 7.58 K | 4.71 M |
| Price To Earning | 10.31 X | 28.72 X |
| Price To Book | 1.32 X | 9.51 X |
| Price To Sales | 3.24 X | 11.42 X |
| Revenue | 95.06 M | 9.43 B |
| Gross Profit | 76.33 M | 27.38 B |
| EBITDA | 14.47 M | 3.9 B |
| Net Income | 15.06 M | 570.98 M |
| Cash And Equivalents | 30.76 M | 2.7 B |
| Cash Per Share | 4.62 X | 5.01 X |
| Total Debt | 157.9 M | 5.32 B |
| Debt To Equity | 11.04 % | 48.70 % |
| Book Value Per Share | 26.90 X | 1.93 K |
| Cash Flow From Operations | 22.53 M | 971.22 M |
| Short Ratio | 0.38 X | 4.00 X |
| Earnings Per Share | 2.46 X | 3.12 X |
| Target Price | 25.0 | |
| Number Of Employees | 304 | 18.84 K |
| Beta | 0.77 | -0.15 |
| Market Capitalization | 230.02 M | 19.03 B |
| Total Asset | 1.91 B | 29.47 B |
| Retained Earnings | 173.9 M | 9.33 B |
| Annual Yield | 0.02 % | |
| Net Asset | 1.91 B | |
| Last Dividend Paid | 0.8 |
Note: Acquisition by Rodeheaver Carissa Lynn of 120 shares of First United at 31.74 subject to Rule 16b-3 [view details]
First United Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as First . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About First United Buy or Sell Advice
When is the right time to buy or sell First United? Buying financial instruments such as First Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having First United in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Computers Thematic Idea Now
Computers
Companies that manufacture and distribute personal and business computers. The Computers theme has 40 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Computers Theme or any other thematic opportunities.
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Check out First United Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade First Stock refer to our How to Trade First Stock guide.You can also try the Portfolio Backtesting module to avoid under-diversification and over-optimization by backtesting your portfolios.
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 0.328 | Dividend Share 0.8 | Earnings Share 2.46 | Revenue Per Share 10.808 | Quarterly Revenue Growth 0.075 |
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.
Please note, there is a significant difference between First United's value and its price as these two are different measures arrived at by different 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.