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First United (FUNC) Competitors

First United logo
$34.02 -0.09 (-0.26%)
Closing price 10/17/2025 04:00 PM Eastern
Extended Trading
$34.10 +0.08 (+0.24%)
As of 10/17/2025 04:32 PM Eastern
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FUNC vs. OSBC, BETR, BHRB, ESQ, FMBH, LX, OPFI, ATLC, SBSI, and AMAL

Should you be buying First United stock or one of its competitors? The main competitors of First United include Old Second Bancorp (OSBC), Better Home & Finance (BETR), Burke & Herbert Financial Services (BHRB), Esquire Financial (ESQ), First Mid Bancshares (FMBH), LexinFintech (LX), OppFi (OPFI), Atlanticus (ATLC), Southside Bancshares (SBSI), and Amalgamated Financial (AMAL). These companies are all part of the "banking" industry.

First United vs. Its Competitors

Old Second Bancorp (NASDAQ:OSBC) and First United (NASDAQ:FUNC) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, earnings, dividends, risk, media sentiment, profitability, analyst recommendations and institutional ownership.

Old Second Bancorp has a beta of 0.8, suggesting that its share price is 20% less volatile than the S&P 500. Comparatively, First United has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500.

67.8% of Old Second Bancorp shares are owned by institutional investors. Comparatively, 33.3% of First United shares are owned by institutional investors. 3.8% of Old Second Bancorp shares are owned by company insiders. Comparatively, 7.9% of First United shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.4%. First United pays an annual dividend of $0.88 per share and has a dividend yield of 2.6%. Old Second Bancorp pays out 13.1% of its earnings in the form of a dividend. First United pays out 24.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Old Second Bancorp has raised its dividend for 1 consecutive years and First United has raised its dividend for 6 consecutive years. First United is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Old Second Bancorp has a net margin of 24.38% compared to First United's net margin of 20.53%. First United's return on equity of 13.05% beat Old Second Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Old Second Bancorp24.38% 12.53% 1.51%
First United 20.53%13.05%1.21%

Old Second Bancorp has higher revenue and earnings than First United. First United is trading at a lower price-to-earnings ratio than Old Second Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Old Second Bancorp$341.72M2.63$85.26M$1.839.33
First United$111.40M1.98$20.57M$3.659.32

Old Second Bancorp presently has a consensus price target of $21.38, suggesting a potential upside of 25.22%. First United has a consensus price target of $42.00, suggesting a potential upside of 23.46%. Given Old Second Bancorp's higher probable upside, equities research analysts plainly believe Old Second Bancorp is more favorable than First United.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Old Second Bancorp
0 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
3.00
First United
0 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
3.00

In the previous week, Old Second Bancorp had 2 more articles in the media than First United. MarketBeat recorded 3 mentions for Old Second Bancorp and 1 mentions for First United. First United's average media sentiment score of 1.18 beat Old Second Bancorp's score of 0.08 indicating that First United is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Old Second Bancorp
0 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
First United
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Old Second Bancorp beats First United on 13 of the 19 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding FUNC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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FUNC vs. The Competition

MetricFirst UnitedBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$221.53M$857.45M$12.51B$10.51B
Dividend Yield2.58%3.25%5.61%4.81%
P/E Ratio9.3216.4232.5227.09
Price / Sales1.982.0229.63219.49
Price / Cash9.2252.5522.2461.22
Price / Book1.231.082.236.52
Net Income$20.57M$54.76M$1.02B$276.75M
7 Day Performance-1.99%-0.74%0.27%2.00%
1 Month Performance-11.43%-6.50%-2.45%2.26%
1 Year Performance7.90%4.63%533.73%35.58%

First United Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
FUNC
First United
4.213 of 5 stars
$34.02
-0.3%
$42.00
+23.5%
+7.1%$221.53M$111.40M9.32300Positive News
Upcoming Earnings
OSBC
Old Second Bancorp
3.7479 of 5 stars
$17.24
+1.1%
$21.38
+24.0%
+0.2%$897.69M$341.72M9.42890News Coverage
Short Interest ↑
BETR
Better Home & Finance
0.7272 of 5 stars
$50.81
-10.7%
N/A+329.5%$873.30M$108.49M-3.851,250Positive News
Short Interest ↑
Gap Down
BHRB
Burke & Herbert Financial Services
3.3268 of 5 stars
$59.30
+3.0%
$71.50
+20.6%
-9.1%$864.99M$402.33M8.61850News Coverage
Upcoming Earnings
ESQ
Esquire Financial
1.7056 of 5 stars
$100.46
+0.6%
$100.50
+0.0%
+47.9%$852.83M$138.27M18.54110News Coverage
Upcoming Earnings
FMBH
First Mid Bancshares
3.7143 of 5 stars
$35.97
+1.5%
$43.33
+20.5%
-11.1%$850.47M$453.67M10.221,198
LX
LexinFintech
3.8291 of 5 stars
$5.05
+0.8%
$13.60
+169.3%
+75.8%$843M$1.95B3.984,667
OPFI
OppFi
3.0205 of 5 stars
$9.95
+3.4%
$13.63
+36.9%
+92.7%$840.76M$555.03M-7.60570
ATLC
Atlanticus
3.9131 of 5 stars
$56.27
+2.8%
$76.60
+36.1%
+43.6%$828.27M$1.31B9.89330
SBSI
Southside Bancshares
1.6982 of 5 stars
$27.48
+1.4%
N/AN/A$815.47M$456.07M9.74810
AMAL
Amalgamated Financial
3.6559 of 5 stars
$26.82
+2.3%
$33.00
+23.0%
-26.1%$789.46M$434.51M8.03380Upcoming Earnings

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This page (NASDAQ:FUNC) was last updated on 10/18/2025 by MarketBeat.com Staff
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