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FUNC Stock Chart & Stats
$42.74
$0.31(0.70%)
At close: 4:00 PM EDT
$42.74
$0.31(0.70%)
Day’s Range― - ―
52-Week Range$33.90 - $46.59
Previous Close$44.88
Volume21.94K
Average Volume (3M)36.82K
Market Cap
$296.42M
Enterprise Value$267.43M
Total Cash (Recent Filing)$363.50M
Total Debt (Recent Filing)$101.17M
Price to Earnings (P/E)11.7
Beta0.88
Next Earnings
Feb 10, 2027EPS Estimate
1.24Next Dividend Ex-DateN/A
Dividend Yield2.31%
Share Statistics
EPS (TTM)3.87
Shares Outstanding6,453,836
10 Day Avg. Volume46,459
30 Day Avg. Volume36,817
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 Cap0.90
Enterprise Value/Revenue2.17
Enterprise Value/Gross Profit3.03
Enterprise Value/Ebitda7.41
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)4.45
Revenue Forecast (FY)$96.78M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthStrong revenue acceleration indicates expanding earning-asset activity and improving business scale. For a community bank, sustained growth can support operating leverage, deepen customer relationships, and create a broader base for future interest and fee income.
Cash GenerationHigh free-cash-flow conversion suggests reported earnings are being supported by cash generation rather than accounting gains alone. This strengthens the company’s ability to fund operations, support capital returns, and absorb normal fluctuations in banking results.
Balance Sheet DeleveragingMaterial deleveraging improves financial flexibility and reduces dependence on borrowed funding. Combined with equity growth and approximately 12% TTM return on equity, the trend supports a more resilient balance sheet and gives management greater room to pursue measured growth.
Bears Say
Lower Profitability Versus PeakAlthough profitability remains solid, margins have not returned to earlier highs. This indicates that improved scale has not fully restored prior earnings efficiency, potentially limiting the amount of revenue growth that translates into durable bottom-line expansion.
Cash Flow VolatilityThe uneven cash-flow record makes internally generated funding less predictable across planning periods. Even with a strong recent rebound, recurring year-to-year swings can complicate capital allocation, reduce visibility on distributable cash, and require greater financial discipline.
Higher Credit-Loss ProvisionsRising provisions can pressure earnings as the loan book expands, even when current credit quality remains strong. If economic uncertainty persists, reserve requirements may continue absorbing part of operating gains and constrain the pace of profit improvement.
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 $33.90 and its highest was $46.59 in the past 12 months.
What is First United Corp.’s market cap?
First United Corp.’s market cap is $296.42M.
When is First United Corp.’s upcoming earnings report date?
First United Corp.’s upcoming earnings report date is Feb 10, 2027 which is in 109 days.
How were First United Corp.’s earnings last quarter?
First United Corp. released its earnings results on Oct 19, 2026. The company reported $1.11 earnings per share for the quarter, missing the consensus estimate of $1.135 by -$0.025.
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 $0.28 which represents an annual dividend yield of 2.31%. See more information on First United Corp. dividends here
What is First United Corp.’s EPS estimate?
First United Corp.’s EPS estimate is 1.24.
How many shares outstanding does First United Corp. have?
First United Corp. has 6,453,836 shares outstanding.
What happened to First United Corp.’s price movement after its last earnings report?
First United Corp. reported an EPS of $1.11 in its last earnings report, missing expectations of $1.135. Following the earnings report the stock price went down -4.08%.
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
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Neutral
FUNC Sentiment 50%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Decreased
By 23.0 Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $492.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
28.82%
12-Months-Change
Fundamentals
Return on Equity
12.11%
Trailing 12-Months
Asset Growth
3.66%
Trailing 12-Months
Learn more about TipRanks Smart Score
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.
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
5.10% Insiders
13.70% Mutual Funds
1.69% Other Institutional Investors
62.52% Public Companies and
Individual Investors