FUNC logo

FIRST UNITED CORP

FUNCNASDAQ
πŸ† #3456 by market capEarnings Oct 26US Equity
$43.42β–Ό $0.42 (βˆ’0.96%)
πŸŒ™ After hours$43.42β–² 0.00%Regular close Β· extended-hours price shown
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🏦Market Cap
$280M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+6.6%
Slowing
πŸ“ŠGross Margin
71.9%
High
πŸ’΅FCF Margin
21.4%
Strong
βš–οΈP/S Ratio
2.3x
Cheap
Otter Score
88
Very Good
No chart data available for FUNC.

Trading Snapshot

Day Range
$43.02 – $43.65
52-Week Range
$33.54 – $46.30
Volume
$4.89B
Avg Volume
$4.08B
Shares Outstanding
6.5M
Next Earnings
Oct 18, 2026

Fundamentals Snapshot

Annual Revenue
$119M
Last Q Revenue
$31M
P/E Ratio
11.2
P/S Ratio
2.3x
EPS (TTM)
$3.88
Dividend Yield
2.40%
Dilution (1yr)
+0.4%

Why Investors Own FUNC

  • βœ“High-growth profile β€” revenue up +16.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 60% gross margin and 14% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FUNC logo

FIRST UNITED CORP

FUNC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$119Mβ–² +6.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
70.2%β–² +2.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$33Mβ–² +19.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$15Mβ–Ό βˆ’24.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
6.5Mβ–² +0.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$17Mβ–² +$126M YoY
StockOtter Β· stockotter.space

About 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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
88/100

Analyst Price Target

β“˜
Average Target
$50.18
β–² +15.6% Upside
High Target$56.62
Low Target$44.36
Based on 37 analysts

Latest News & Updates

Zacks Investment ResearchΒ·4d ago

3 Stocks in Focus That Declared Dividend Hikes Amid Economic Woes

FUNC, FITB and MCD raised dividends as rate-hike fears, inflation and Middle East tensions fuel market uncertainty.

PRNewsWireΒ·6d ago

FIRST UNITED CORPORATION ANNOUNCES FOURTH QUARTER 2026 DIVIDEND

OAKLAND, Md., Sept. 23, 2026 /PRNewswire/ -- First United Corporation (NASDAQ: FUNC) announces that its Board of Directors declared a cash dividend of $.28 per share that will be paid on November 2, 2026, to holders of r

Zacks Investment ResearchΒ·15d ago

Why First United Corporation (FUNC) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?

Zacks Investment ResearchΒ·Aug 28

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

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?

Zacks Investment ResearchΒ·Aug 12

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

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?

Zacks Investment ResearchΒ·Jul 27

First United Corporation (FUNC) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?