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First United (FUNC)
:FUNC

First United (FUNC) AI Stock Analysis

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FU

First United

(NASDAQ:FUNC)

Rating:78Outperform
Price Target:
$35.00
▲(3.52%Upside)
First United's strong financial performance and positive corporate events are the primary drivers of its overall score. While the technical analysis and valuation present mixed signals, the company's consistent growth and shareholder-friendly policies support a favorable outlook.

First United (FUNC) vs. SPDR S&P 500 ETF (SPY)

First United Business Overview & Revenue Model

Company DescriptionFirst United (FUNC) is a diversified financial services company that operates primarily in the banking sector. It provides an array of financial products and services including personal and commercial banking, investment services, and mortgage lending. FUNC is committed to delivering personalized banking solutions to its clients, leveraging a customer-centric approach to enhance financial well-being and support economic growth in its communities.
How the Company Makes MoneyFirst United (FUNC) generates revenue through multiple streams within the financial services industry. Its primary income is derived from interest earned on loans and mortgages offered to individuals and businesses. Additionally, FUNC earns revenue through fees associated with various banking services, including account maintenance, transaction fees, and asset management services. The company also benefits from investment returns and advisory service fees. Significant partnerships with other financial institutions and service providers enhance FUNC's ability to offer comprehensive financial solutions and contribute to the company's earnings. Economic factors, such as interest rate fluctuations and regulatory changes, also impact FUNC's revenue generation.

First United Financial Statement Overview

Summary
The company's financial performance is mixed. While there is strong financial stability and efficiency in operations, a significant decline in revenue and gross profit raises concerns about future growth. Cash flow is stable, but with limited free cash flow growth.
Income Statement
45
Neutral
For the latest period, the company reported a significant loss in gross profit, indicating challenges in managing production costs or pricing. The net profit margin and EBIT margin showed improvements, suggesting better operational efficiency. However, the sharp decline in revenue growth and gross profit raises concerns about long-term revenue sustainability.
Balance Sheet
70
Positive
The debt-to-equity ratio improved significantly due to a decrease in total debt and an increase in equity, indicating reduced financial leverage and improved financial stability. Return on Equity (ROE) is strong, reflecting effective use of equity to generate profits. The equity ratio is also healthy, supporting a solid financial position.
Cash Flow
60
Neutral
Operating cash flow remains stable, suggesting consistent cash generation from operations. However, free cash flow growth is stagnant, indicating limited cash available for expansion or debt reduction. The operating cash flow to net income ratio is favorable, highlighting effective cash management.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue79.79M69.72M75.68M73.66M67.12M
Gross Profit44.26M31.15M41.85M40.97M34.42M
EBITDA31.02M24.39M36.83M29.74M21.34M
Net Income20.57M15.06M25.05M19.77M13.84M
Balance Sheet
Total Assets1.97B1.91B1.85B1.73B1.73B
Cash, Cash Equivalents and Short-Term Investments78.33M49.75M200.20M402.49M376.32M
Total Debt172.31M112.48M97.87M33.69M103.89M
Total Liabilities1.79B1.74B1.70B1.59B1.60B
Stockholders Equity179.29M161.87M151.79M141.90M131.69M
Cash Flow
Free Cash Flow20.36M22.12M22.97M18.89M14.56M
Operating Cash Flow22.28M22.47M26.54M20.02M16.17M
Investing Cash Flow-38.44M-81.71M-172.40M-28.43M-191.28M
Financing Cash Flow44.73M34.68M104.46M-25.31M274.56M

First United Technical Analysis

Technical Analysis Sentiment
Positive
Last Price33.81
Price Trends
50DMA
30.27
Positive
100DMA
31.18
Positive
200DMA
31.76
Positive
Market Momentum
MACD
0.65
Negative
RSI
73.58
Negative
STOCH
97.68
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FUNC, the sentiment is Positive. The current price of 33.81 is above the 20-day moving average (MA) of 29.88, above the 50-day MA of 30.27, and above the 200-day MA of 31.76, indicating a bullish trend. The MACD of 0.65 indicates Negative momentum. The RSI at 73.58 is Negative, neither overbought nor oversold. The STOCH value of 97.68 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FUNC.

First United Risk Analysis

First United disclosed 40 risk factors in its most recent earnings report. First United reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

First United Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$219.04M9.6912.99%2.60%13.41%62.54%
70
Outperform
$210.61M13.386.43%2.89%5.57%-16.40%
70
Outperform
$227.34M22.584.04%3.14%35.67%
69
Neutral
$207.08M16.987.16%10.74%-27.38%
69
Neutral
$217.90M10.079.67%2.73%10.36%10.16%
67
Neutral
$17.01B11.909.70%3.76%11.63%-9.47%
60
Neutral
$187.73M25.533.74%2.97%35.45%-42.78%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FUNC
First United
33.81
14.01
70.76%
CFFI
C&F Financial
67.27
26.56
65.24%
ESSA
Essa Bancorp
20.74
3.98
23.75%
MYFW
First Western Financial
23.40
6.45
38.05%
FXNC
First National
20.89
5.74
37.89%
FINW
FinWise
15.67
5.22
49.95%

First United Corporate Events

Dividends
First United Announces Cash Dividend for Shareholders
Positive
Jun 20, 2025

On June 18, 2025, First United Corporation announced a cash dividend of $0.22 per share, payable on August 1, 2025, to shareholders of record as of July 18, 2025. This decision reflects the company’s ongoing commitment to providing value to its shareholders and may positively impact its market positioning by reinforcing investor confidence.

The most recent analyst rating on (FUNC) stock is a Buy with a $42.00 price target. To see the full list of analyst forecasts on First United stock, see the FUNC Stock Forecast page.

Executive/Board ChangesShareholder Meetings
First United Holds Annual Shareholders Meeting on May 7
Neutral
May 9, 2025

On May 7, 2025, First United Corporation held its annual shareholders meeting where three key proposals were voted on. The shareholders elected ten directors to the board, approved the compensation for the corporation’s named executive officers for 2024, and ratified the appointment of Crowe LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025.

Shareholder MeetingsBusiness Operations and StrategyFinancial Disclosures
First United Reports Strong Q1 2025 Financial Performance
Positive
May 7, 2025

First United Corporation held its Annual Meeting of Shareholders on May 7, 2025, where it presented strong financial performance for 2024 and the first quarter of 2025. Despite economic uncertainties, the company reported a significant increase in net income driven by disciplined pricing strategies and growth in wealth management. The company maintained a strong capital position and asset quality, supporting its strategic initiatives and ability to navigate economic challenges.

Business Operations and StrategyFinancial Disclosures
First United Reports Strong Q1 2025 Financial Results
Positive
Apr 21, 2025

First United Corporation announced its financial results for the first quarter of 2025, reporting a consolidated net income of $5.8 million, an increase from $3.7 million in the same quarter of 2024. Despite challenges in funding due to inflation and high competition, the company experienced margin expansion and stable funding costs. The company plans to invest in strategic hires and technology to enhance customer experience, which is expected to increase salaries, benefits, and data processing expenses. The results reflect a solid performance attributed to the dedication of its associates, with a focus on future growth and improved customer experience.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 01, 2025