First United Corp. (FUNC)
NASDAQ:FUNC
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FUNC Stock Chart & Stats
$36.77
-$0.21(-0.64%)
At close: 4:00 PM EST
$36.77
-$0.21(-0.64%)
Day’s Range― - ―
52-Week Range$28.00 - $42.83
Previous CloseN/A
Volume7.70K
Average Volume (3M)23.53K
Market Cap
$274.50M
Enterprise Value$225.18M
Total Cash (Recent Filing)$372.56M
Total Debt (Recent Filing)$51.61M
Price to Earnings (P/E)10.9
Beta0.84
Next Earnings
Jul 27, 2026EPS Estimate
1.05Next Dividend Ex-DateN/A
Dividend Yield2.38%
Share Statistics
EPS (TTM)3.91
Shares Outstanding6,446,717
10 Day Avg. Volume39,325
30 Day Avg. Volume23,531
Financial Highlights & Ratios
PEG Ratio0.50
Price to Book (P/B)1.19
Price to Sales (P/S)2.04
P/FCF Ratio15.77
Enterprise Value/Market Cap0.82
Enterprise Value/Revenue1.85
Enterprise Value/Gross Profit2.61
Enterprise Value/Ebitda6.14
Forecast
1Y Price Target
$44.50Price Target Upside21.02% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)4.4
Revenue Forecast (FY)$95.96M
Bulls Say, Bears Say
Bulls Say
Sustained Multi-year Revenue GrowthConsistent, multi-year revenue growth indicates durable demand for First United’s banking products and an expanding franchise locally. This growth underpins recurring net interest and fee income, supports scale economies, and provides a stable base for reinvestment, dividends, and measured loan growth over the medium term.
Markedly Improved Leverage And CapitalA materially lower debt-to-equity ratio and rising equity suggest a stronger capital buffer and reduced financial risk. Improved leverage enhances regulatory resilience, expands capacity for organic loan growth, and gives management flexibility for capital returns or opportunistic investments without immediate balance-sheet strain.
Recovering Cash Generation And FCF CoverageRising operating cash flow and FCF that cover most of net income indicate improving earnings quality and internal funding capacity. Durable cash generation supports the dividend, funds strategic investments, and reduces reliance on external funding, strengthening financial flexibility across economic cycles.
Bears Say
Margins Normalized Below Peak LevelsNormalization from elevated margin peaks means less structural upside from past cycles and suggests pressure on earnings if loan yields or funding conditions worsen. Sustainable profitability will depend on selective loan growth, expense discipline, and maintaining net interest margin amid competitive and rate-cycle dynamics.
Operating Cash Flow Small Vs. Asset BaseWhile cash generation improved, operating cash flow remains modest versus a $2.1B balance sheet, limiting the bank’s liquidity cushion. For regional banks, low OCF-to-assets raises sensitivity to funding shocks or increased loan losses and constrains the margin for aggressive balance-sheet expansion.
Modest Deposit Growth And Prior Funding ShiftsRepaying higher-cost brokered funding and FHLB advances improves funding mix but when deposit growth is only modest, it can limit scalable, low-cost funding for loan growth. This dynamic can constrain asset expansion and leave the bank more exposed to competition for core deposits over the medium term.
First United News
FUNC FAQ
What was First United Corp.’s price range in the past 12 months?
First United Corp. lowest stock price was $28.00 and its highest was $42.83 in the past 12 months.
What is First United Corp.’s market cap?
First United Corp.’s market cap is $274.50M.
When is First United Corp.’s upcoming earnings report date?
First United Corp.’s upcoming earnings report date is Jul 27, 2026 which is in 35 days.
How were First United Corp.’s earnings last quarter?
First United Corp. released its earnings results on Apr 20, 2026. The company reported $1.02 earnings per share for the quarter, beating the consensus estimate of $0.92 by $0.1.
Is First United Corp. overvalued?
According to Wall Street analysts First United Corp.’s price is currently Undervalued.
Does First United Corp. pay dividends?
First United Corp. pays a Quarterly dividend of $0.26 which represents an annual dividend yield of 2.38%. See more information on First United Corp. dividends here
What is First United Corp.’s EPS estimate?
First United Corp.’s EPS estimate is 1.05.
How many shares outstanding does First United Corp. have?
First United Corp. has 6,446,717 shares outstanding.
What happened to First United Corp.’s price movement after its last earnings report?
First United Corp. reported an EPS of $1.02 in its last earnings report, beating expectations of $0.92. Following the earnings report the stock price went up 1.147%.
Which hedge fund is a major shareholder of First United Corp.?
Currently, no hedge funds are holding shares in FUNC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First United Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$44.50 (21.02% Upside)
$44.50 (21.02% Upside)
Blogger Sentiment
Bullish
FUNC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 23.0 Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $7.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.86%
12-Months-Change
Fundamentals
Return on Equity
12.70%
Trailing 12-Months
Asset Growth
2.99%
Trailing 12-Months
Company Description
First United Corp.
First United Corporation acts as the holding company for First United Bank & Trust, which delivers a wide array of retail and commercial banking solutions to both businesses and individual customers. The bank offers a diverse portfolio of deposit accounts, encompassing standard checking, savings, and money market options, in addition to specialized choices like regular and Individual Retirement Account (IRA) certificates of deposit, Christmas savings, college savings, and health savings accounts. It also provides advanced cash management programs, such as the Certificate of Deposit Account Registry Service (CDARS) and Insured Cash Sweep (ICS), available to governmental entities, businesses, and consumers. For its business clientele, First United extends comprehensive packages that feature treasury management, cash sweeping services, and various checking account opportunities. Regarding lending, the corporation provides an extensive range of loan products. These include commercial loans collateralized by real estate, equipment, vehicles, or other business assets. It also offers commercial real estate financing for residential and commercial developments, agricultural properties, and service industry buildings. Individual customers can access residential mortgage loans, home equity lines of credit, and residential real estate construction loans. Furthermore, the bank issues direct and indirect auto loans, student loans, and a variety of secured and unsecured term loans and lines of credit. Beyond traditional banking, the company furnishes a comprehensive suite of trust services, including personal and charitable trusts, investment agency accounts, and full-service retirement planning solutions (such as IRA rollovers, 401(k) accounts, and defined benefit plans), alongside estate administration and planning expertise. Supplementary services offered include insurance products, brokerage facilities, and practical amenities like safe deposit boxes and night depository facilities. First United Corporation's operational network consists of 26 banking branches, a dedicated customer care center, and 34 automated teller machines. This presence extends across Allegany, Frederick, Garrett, and Washington counties in Maryland, as well as Mineral, Berkeley, Monongalia, and Harrison counties in West Virginia. Established in 1900, the company's headquarters are situated in Oakland, Maryland.
FUNC Stock 12 Month Forecast
Average Price Target
$44.50
▲(21.02% Upside)
Technical Analysis
Norwood Financial
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Oak Valley Bancorp [Ca]
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Western New England Bancorp
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FVCBankcorp
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FB Bancorp, Inc.
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Ownership Overview
5.22% Insiders
13.81% Mutual Funds
11.78% Other Institutional Investors
56.91% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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