ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First United Corp. ?
1
High Profitability with a Net Interest Margin of 4.32%
2
Strong Long Term Fundamental Strength with a 15.21% CAGR growth in Net Profits
3
The company has declared Positive results for the last 4 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 0.25%
- NET SALES(Q) Highest at USD 24.87 MM
- NII(Q) Highest at USD 16.71 MM
4
With ROA of 0.69%, it has a attractive valuation with a 1.05 Price to Book Value
- Over the past year, while the stock has generated a return of 8.34%, its profits have risen by 57.7% ; the PEG ratio of the company is 0.1
5
High Institutional Holdings at 52.24%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 4.6% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First United Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First United Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
First United Corp.
7.19%
2.53
37.15%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.15%
EBIT Growth (5y)
1.74%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
26.71%
Pledged Shares
0
Institutional Holding
52.24%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.05
EV to EBIT
25.99
EV to EBITDA
19.41
EV to Capital Employed
1.04
EV to Sales
2.59
PEG Ratio
0.14
Dividend Yield
223.26%
ROCE (Latest)
4.00%
ROE (Latest)
12.35%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
GROSS NPA (%)
(Q
NET SALES(Q)
Highest at USD 24.87 MM
NII(Q)
Highest at USD 16.71 MM
NET PROFIT(9M)
Higher at USD 17.98 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 7.96 MM
OPERATING PROFIT MARGIN(Q)
Highest at 32 %
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 19.48 MM
Here's what is working for First United Corp.
Non Performing Loans (%)
Lowest at 0.25% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at USD 24.87 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
NII
Highest at USD 16.71 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
At USD 17.98 MM has Grown at 73.35%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Profit
Highest at USD 7.96 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 32 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
Higher at USD 17.98 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
CASA
Highest at 15.22%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for First United Corp.
Operating Cash Flow
Lowest at USD 19.48 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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