ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First United Corp. ?
1
High Profitability with a Net Interest Margin of 4.43%
2
Strong Long Term Fundamental Strength with a 12.12% CAGR growth in Net Profits
3
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 26.34 MM
- NII(Q) Highest at USD 18.07 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.67%, it has a fair valuation with a 1.16 Price to Book Value
- Over the past year, while the stock has generated a return of 48.57%, its profits have risen by 19.2% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 55.08%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.15% over the previous quarter.
6
Consistent Returns over the last 3 years
- Along with generating 48.57% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
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.
48.57%
3.79
30.31%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.62%
EBIT Growth (5y)
7.74%
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
25.47%
Pledged Shares
0
Institutional Holding
55.08%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.16
EV to EBIT
7.19
EV to EBITDA
6.52
EV to Capital Employed
1.18
EV to Sales
2.12
PEG Ratio
0.52
Dividend Yield
2.63%
ROCE (Latest)
16.42%
ROE (Latest)
12.04%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 26.34 MM
NII(Q)
Highest at USD 18.07 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 87.11%
Here's what is working for First United Corp.
NII
Highest at USD 18.07 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 26.34 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for First United Corp.
Credit Deposit Ratio
Lowest at 87.11%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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