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 - $41.95
Previous CloseN/A
Volume7.70K
Average Volume (3M)23.53K
Market Cap
$243.87M
Enterprise Value$205.63M
Total Cash (Recent Filing)$151.66M
Total Debt (Recent Filing)$114.77M
Price to Earnings (P/E)8.9
Beta0.82
Next Earnings
Jul 27, 2026EPS Estimate
1.05Next Dividend Ex-DateN/A
Dividend Yield2.38%
Share Statistics
EPS (TTM)3.78
Shares Outstanding6,501,382
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 Cap0.84
Enterprise Value/Revenue1.72
Enterprise Value/Gross Profit2.45
Enterprise Value/Ebitda5.89
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)4.25
Revenue Forecast (FY)$95.25M
Bulls Say, Bears Say
Bulls Say
Improving Leverage And Capital BaseMaterial debt reduction and a lower debt-to-equity ratio strengthen the bank’s capital structure, reducing interest expense sensitivity and enhancing financial flexibility. That improved leverage supports lending capacity, regulatory capital cushions and strategic actions (dividends/buybacks) over coming quarters.
Sustained Revenue And Margin ExpansionMulti-year revenue and margin expansion reflects durable improvement in core banking profitability driven by higher loan yields, investment yields and disciplined expense control. Persistent NIM strength and rising noninterest income imply stronger core earnings power versus single-period gains.
Capital Return & Board ConfidenceA sizeable buyback authorization indicates management confidence in the balance sheet and excess capital deployment discipline. Structurally, buybacks plus a maintained quarterly cash dividend create a predictable shareholder return framework and can meaningfully boost per-share metrics over the buyback horizon.
Bears Say
Earnings Volatility And Cycle SensitivityProfitability has swung materially with prior rate and credit cycles; margins and net income are sensitive to loan payoffs, provisioning and legacy items. That cyclicality reduces forecast reliability and means near-term results can reverse quickly if credit costs or rates shift unfavorably.
Choppy Cash GenerationInconsistent free cash flow and only modest operating cash flow constrain the company’s ability to fund organic growth, absorb shocks or execute repurchases reliably. Dependence on occasional one-time items and uneven cash conversion complicates capital planning and reserve buildup.
Concentrated Regional FootprintA concentrated geographic market footprint limits diversification benefits and exposes the bank to localized economic, real estate and regulatory risks. Structural dependence on a regional economy can constrain scale, slow diversification of loan/deposit mix and amplify localized downturn impacts.
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 $41.95 in the past 12 months.
What is First United Corp.’s market cap?
First United Corp.’s market cap is $243.87M.
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 81 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 Overvalued.
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 6,501,382 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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Blogger Sentiment
Bullish
FUNC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 150.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $15.2K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.86%
12-Months-Change
Fundamentals
Return on Equity
12.61%
Trailing 12-Months
Asset Growth
5.37%
Trailing 12-Months
Company Description
First United Corp.
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. The company offers various deposit products, including checking accounts, savings and money market accounts, regular and individual retirement accounts (IRA) certificates of deposit, Christmas savings accounts, college savings accounts, and health savings accounts; Certificate of Deposit Account Registry Service program and Insured Cash Sweep program to municipalities, businesses, and consumers; and commercial customers packages, which include treasury management, cash sweep, and various checking opportunities. It also provides loans, such as commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings; residential mortgage loans; home equity lines of credit; residential real estate construction loans; and indirect and direct auto loans, student loans, term loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers various trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts that consist of IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning services; insurance products; brokerage services; and safe deposit and night depository facilities. It operates 26 banking offices, one customer care center, and 34 automated teller machines in Allegany, Frederick, Garrett, and Washington counties in Maryland; and in Mineral, Berkeley, Monongalia, and Harrison counties in West Virginia. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
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
5.25% Insiders
13.70% Mutual Funds
2.02% Other Institutional Investors
66.81% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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