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First United Corporation (FUNC) Fair Value & Analysis

Financial Services · US · Market cap $275M

Price$43.30
Fair Value$49.44
Upside+14.2%
Quality95/100
Evidence: High Range $37.08 – $61.79

Fair value as of: Jun 26, 2026

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Analysis

First United Corporation (FUNC) currently trades at $43.30, while our model-based Fair Value estimate is $49.44 — implying the stock looks roughly 14.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 in the United States. It operates through Community Banking and Wealth Management segments. The company offers deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit (CD); and demand deposits. It also provides business and personal loans; commercial loans secured by real estate, commercial equipment, and vehicles or other assets of the borrower; residential mortgages; home equity lines of credit; real estate construction loans to builders and individuals for single-family dwellings; and consumer loans, including indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers brokerage; certificate of deposit…

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Frequently asked questions

Is First United Corporation (FUNC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $49.44 versus a price of $43.30 — about +14% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FUNC?
Our 21-model fair value for First United Corporation is $49.44 (as of Jun 26, 2026), built from audited fundamentals. The current price is $43.30.
What is the quality score of FUNC?
First United Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.