Robert Stuck - First United Independent Director

FUNC Stock  USD 22.59  0.05  0.22%   

Director

Mr. Robert G. Stuck serves as an Independent Director of First United Corporation and the Bank. He has experience gained through his ownership and operation of Oakview Motors, Inc., an automobile dealership. since 1995.
Age 67
Tenure 29 years
Address 19 South Second Street, Oakland, MD, United States, 21550-0009
Phone800 470 4356
Webhttps://www.mybank.com

First United Management Efficiency

The current year's Return On Tangible Assets is expected to grow to 0.01. The current year's Return On Capital Employed is expected to grow to 0.16. At present, First United's Total Current Assets are projected to increase significantly based on the last few years of reporting. The current year's Return On Tangible Assets is expected to grow to 0.01, whereas Total Assets are forecasted to decline to about 1.3 B. First United's management efficiency ratios could be used to measure how well First United manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 157.9 M in liabilities with Debt to Equity (D/E) ratio of 11.04, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist First United until it has trouble settling it off, either with new capital or with free cash flow. So, First United's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like First United sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for First to invest in growth at high rates of return. When we think about First United's use of debt, we should always consider it together with cash and equity.

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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. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland. First United operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 273 people. First United (FUNC) is traded on NASDAQ Exchange in USA. It is located in 19 South Second Street, Oakland, MD, United States, 21550-0009 and employs 304 people. First United is listed under Regional Banks category by Fama And French industry classification.

Management Performance

First United Leadership Team

Elected by the shareholders, the First United's board of directors comprises two types of representatives: First United inside directors who are chosen from within the company, and outside directors, selected externally and held independent of First. The board's role is to monitor First United's management team and ensure that shareholders' interests are well served. First United's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, First United's outside directors are responsible for providing unbiased perspectives on the board's policies.
John McCullough, Independent Director
William Grant, Chairman of the Board, CEO
Kathryn Burkey, Independent Director
Jeannette Fitzwater, Senior Vice President Director - Corporate Services
H Walls, Director
Keith MBA, Senior Officer
Carissa Rodeheaver, President CFO, Treasurer, Secretary, Director
Robin Murray, Senior Vice President Director - Retail Banking
Robert Kurtz, Director
CPA CFP, Pres Chairman
Brian Boal, Independent Director
CFP CPA, President Chairman
Keith Sanders, Sr. VP of First United Bank and Trust and Sr. Trust Officer of First United Bank and Trust
Marisa Shockley, Independent Director
Tonya Sturm, CFO, VP
Robert Rudy, Director
Gary Ruddell, Independent Director
Robert Stuck, Independent Director
Mrs Murray, Sr. VP of of First United Bank and Trust and Director of Retail Banking of of First United Bank and Trust
Elaine McDonald, Independent Director
Robert II, Senior Officer
Robert Fisher, Senior Vice President and Chief Lending Officer
John Barr, Independent Director
Jason Rush, Chief Risk Officer, Sr. VP, Director of Operations and Support, Chief Risk Officer of First United Bank and Trust, Sr. VP of First United Bank and Trust and Director of Operations of First United Bank and Trust

First Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is First United a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards First United in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, First United's short interest history, or implied volatility extrapolated from First United options trading.

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When determining whether First United offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First United's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First United Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First United Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First United. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in board of governors.
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When running First United's price analysis, check to measure First United's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First United is operating at the current time. Most of First United's value examination focuses on studying past and present price action to predict the probability of First United's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First United's price. Additionally, you may evaluate how the addition of First United to your portfolios can decrease your overall portfolio volatility.
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Is First United's industry 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
(0.14)
Dividend Share
0.78
Earnings Share
2.15
Revenue Per Share
10.347
Quarterly Revenue Growth
(0.03)
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.