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First United Corporation FUNC R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://mybank.com
Company Profile ↓
$44.36
+29.43% 1Y
Mkt Cap$286.29M
P/E11.49
P/B1.38
Div. Yield2.30%
52W High$46.18
52W Low$33.20
Book Value$32.91
EPS (TTM)$3.86

Company Overview

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 in the United States. It operates through Community Banking and Wealth Management segments. The company offers deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit (CD); and demand deposits. It also provides business and personal loans; commercial loans secured by real estate, commercial equipment, and vehicles or other assets of the borrower; residential mortgages; home equity lines of credit; real estate construction loans to builders and individuals for single-family dwellings; and consumer loans, including indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers brokerage; certificate of deposit account registry and IntraFi cash services; treasury management, cash sweep, and various checking opportunities; trust services, such as personal trust, investment agency accounts, charitable trusts, estate administration, and estate planning, as well as retirement accounts, including IRA rollovers, 401(k) accounts, and defined benefit plans; safe deposit and night depository facilities; and insurance products. Further, it provides online, mobile, and digital banking; debit and credit cards; business support; merchant services; remote deposit capture; positive pay; sweep and escrow accounts; check recovery and ordering; equipment loans; floorplan lending; mobile wallet and deposit; credit insights; personal finance; bill pay; CD and trust secured loans; boat and RV loans; and retirement planning services. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 12.1% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 11.5, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 27.7%.

Dividend Income

Offers a dividend yield of 2.30%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $18.43M (+4.0% YoY); net profit $24.52M.
  • Trailing 12 Months Year-on-year growth — revenue +10.7%, earnings -4.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 5.7%, profit CAGR 12.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:5.71%
1 Year:10.70%

Compounded Profit Growth

5 Years:12.11%
1 Year:-4.50%

Stock Price Performance

1 Year:+29.43%
6 Months:+24.45%
3 Months:+12.33%
1 Month:-2.08%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 86% of range
$33.20 $46.18
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)53.98 · Neutral
Price Performance
1M-2.08%
3M+12.33%
6M+24.45%
1Y+29.43%
Valuation vs Sector

P/E of 11.49 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 27.7%.
  • Profit CAGR of 12.1% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.49
Industry PE
14.52
Forward P/E
9.24
PEG Ratio
0.33
Book Value
$32.91
Price to Book
1.38
P/S
3.24
EV/EBITDA
-
Dividend Yield
2.30%

Growth (CAGR)

Revenue 5Y
5.71%
Profit 5Y
12.11%
Revenue (YoY)
10.70%
Earnings (YoY)
-4.50%

Profitability & Returns

ROCE
-
ROE
12.42%
ROA
1.23%
Profit Margin
27.71%
Op Margin
33.38%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.88
EPS (TTM)
$3.86

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$101.17M
Total Assets
$2.08B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
7.81%
Chg in Prom Hold
-0.06%
FII / Inst Holding
50.29%
Chg in FII Hold
-0.07%

Financial Snapshot

Enterprise Value
$286.29M
Total Revenue (TTM)
$90.43M
EBITDA
-
Free Cash Flow
$15.40M
Operating Cash Flow
$30.14M
Shares Outstanding
6.45M
Gross Margin
0.00%
Payout Ratio
25.91%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FUNC First United Corporation R2KFINANCIAL 44.36 11.49 $286.29M 2.30% - 12.42% 5.71% 12.11%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue ----------3.46M3.48M3.67M-3.68M3.73M3.80M---3.57M3.02M3.48M3.94M3.94M4.00M3.97M4.04M4.09M-----------
Net Income 1.84M1.36M1.24M1.34M1.37M1.95M1.95M1.87M1.70M2.29M1.98M2.31M2.01M-1.03M2.51M3.02M2.76M3.15M2.60M4.49M1.75M2.57M4.96M3.43M4.40M4.39M5.71M5.43M6.94M4.38M4.41M4.51M3.70M4.91M5.77M5.81M5.98M6.95M6.66M5.67M
Diluted EPS -----------------0.440.370.630.250.370.700.490.660.660.860.821.040.650.660.670.560.750.890.890.921.071.030.88

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------11.81M12.58M12.96M13.98M16.06M16.16M16.67M17.71M18.43M
Net Income -10.20M3.63M4.66M6.47M5.60M12.99M7.28M5.27M10.67M13.13M13.84M19.77M25.05M15.06M20.57M24.52M
Diluted EPS -1.910.33-------1.851.972.953.762.253.153.77

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -1.70B1.39B1.32B1.33B1.33B1.32B1.32B1.34B1.38B1.44B1.73B1.73B1.85B1.91B1.97B2.09B
Total Equity 100.57M95.64M96.66M99.42M101.88M109.00M120.77M113.70M108.39M117.07M125.94M131.05M141.90M151.79M161.87M179.29M203.63M
Cash & Equivalents 189.67M299.31M83.07M43.06M43.06M35.45M52.14M63.31M83.75M23.54M49.98M149.43M115.72M74.31M49.75M78.33M131.61M
Long Term Debt -243.10M207.04M182.74M182.67M182.61M147.54M131.74M120.93M100.93M100.93M100.93M30.93M30.93M110.93M120.93M95.93M
Total Liabilities -1.60B1.29B1.22B1.23B1.22B1.20B1.20B1.23B1.27B1.32B1.60B1.59B1.70B1.74B1.79B1.88B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 141.94M63.04M15.21M18.68M3.89M22.20M11.49M12.92M18.29M16.39M16.17M20.02M26.54M22.47M22.28M19.37M
Investing Cash Flow 7.97M14.95M75.58M-63.56M-2.38M18.76M11.89M-7.66M-113.71M-32.52M-191.28M-28.43M-172.40M-81.71M-38.44M-48.01M
Financing Cash Flow -40.27M-312.19M-72.82M4.88M-9.12M-24.27M-12.22M15.17M35.21M42.57M274.56M-25.31M104.46M34.68M44.73M81.92M
Capital Expenditure -3.86M-236.00K-1.28M-941.00K-720.00K-1.37M-3.92M-6.56M-9.48M-3.97M-1.60M-1.13M-3.58M-353.00K-1.92M-3.97M
Free Cash Flow 138.08M62.80M13.93M17.73M3.17M20.83M7.57M6.36M8.81M12.42M14.56M18.89M22.97M22.12M20.36M15.40M
Share Buybacks ----------2.75M7.18M-1.50M4.03M-
Dividends Paid ---09.10M2.70M2.02M1.22M0-------

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % -------44.6%84.8%101.3%99.0%123.1%155.0%90.3%116.1%133.0%
ROE % -10.7%3.8%4.7%6.4%5.1%10.8%6.4%4.9%9.1%10.4%10.6%13.9%16.5%9.3%11.5%12.0%
ROCE % ----------------

Shareholding Pattern

Insiders
7.81%
Institutions
50.29%
Public Float
54.55%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.07% 456.25K $19.69M
2 Dimensional Fund Advisors LP 5.61% 361.92K $15.62M
3 Vanguard Capital Management LLC 4.17% 269.29K $11.62M
4 Gendell, Jeffrey L. 2.76% 178.35K $7.70M
5 De Lisle Partners LLP 2.55% 164.39K $7.10M
6 Geode Capital Management, LLC 2.35% 151.70K $6.55M
7 Huber Capital Management Llc 1.86% 119.94K $5.18M
8 American Century Companies Inc 1.76% 113.55K $4.90M
9 Renaissance Technologies, LLC 1.72% 111.19K $4.80M
10 Acadian Asset Management. LLC 1.66% 106.84K $4.61M

Analyst View

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Latest News

Recent headlines for FUNC

Google News Wed, 12 Aug 2026

This is Why First United Corporation (FUNC) is a Great Dividend Stock - Yahoo Finance

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Google News Fri, 04 Sep 2026

First United Corporation (NASDAQ: FUNC) Share Price, FUNC Stock News, FUNC Share Price & Updates - Kalkine

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Google News Fri, 19 Jun 2026

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Google News Wed, 29 Jul 2026

Insider Sale: EVP & Chief Banking Officer of $FUNC Sells 5,250 Shares - quiverquant.com

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Google News Wed, 22 Jul 2026

First United (FUNC) Stock Faces Softer Q2 EPS Testing Bullish Margin Narratives - simplywall.st

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Google News Fri, 28 Aug 2026

First United Corporation (FUNC) is a Top Dividend Stock Right Now: Should You Buy? - Yahoo Finance

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FUNC — Frequently Asked Questions

What is the current share price of First United Corporation (FUNC)?

As of 2026-09-07 16:24 PDT, First United Corporation (FUNC) trades at $44.36 on NasdaqGS. Its 52-week range is $33.20 to $46.18.

What is the market capitalisation of FUNC?

First United Corporation (FUNC) has a market capitalisation of $286.29M on NasdaqGS.

What is the P/E ratio of FUNC?

FUNC trades at a trailing price-to-earnings (P/E) ratio of 11.49. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.38.

Does FUNC pay a dividend?

First United Corporation (FUNC) currently offers a dividend yield of 2.30%.

What is the return on equity (ROE) of FUNC?

FUNC has a return on equity (ROE) of 12.42%.

Is FUNC a good stock to buy?

This page provides a data-driven analysis of First United Corporation (FUNC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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