First United Corporation

First United Corporation

FUNCยทNASDAQ

$39.04

-2.4%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$251.68M
EPS3.7800
P/E Ratio9.91
Earnings Date07/20/2026
0.00%
Dividend Yield
-100%
3Y-100.0%
5Y-100.0%
10Y-100.0%
0.00%
Dividend Payout Ratio
-100%
3Y-100.0%
5Y-100.0%
10Y-100.0%
3Y+69.0%
5Y+86.0%
10Y+150.0%
First United Corporation

First United Corporation Dividend History

FUNC ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

FUNC Dividend Payment History

FUNC ยท NASDAQ

Total Payments

50

Latest Dividend

$0.2600

Annual Amount

$1.2200

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Mar 4, 2026
Apr 17, 2026May 1, 2026
$0.2600
$0.2600
Quarterly0.00%
Dec 4, 2025
Jan 16, 2026Feb 2, 2026
$0.2600
$0.2600
Quarterly0.00%
Sep 24, 2025
Oct 17, 2025Nov 3, 2025
$0.2600
$0.2600
Quarterly+18.18%
Jun 18, 2025
Jul 18, 2025Aug 1, 2025
$0.2200
$0.2200
Quarterly0.00%
Mar 5, 2025
Apr 17, 2025May 1, 2025
$0.2200
$0.2200
Quarterly0.00%
Nov 20, 2024
Jan 17, 2025Feb 3, 2025
$0.2200
$0.2200
Quarterly0.00%
Sep 25, 2024
Oct 18, 2024Nov 1, 2024
$0.2200
$0.2200
Quarterly+10.00%
Jun 20, 2024
Jul 18, 2024Aug 1, 2024
$0.2000
$0.2000
Quarterly0.00%
Mar 6, 2024
Apr 17, 2024May 1, 2024
$0.2000
$0.2000
Quarterly0.00%
Nov 29, 2023
Jan 18, 2024Feb 1, 2024
$0.2000
$0.2000
Quarterly0.00%
Sep 27, 2023
Oct 18, 2023Nov 1, 2023
$0.2000
$0.2000
Quarterly0.00%
Jun 28, 2023
Jul 18, 2023Aug 1, 2023
$0.2000
$0.2000
Quarterly0.00%
Mar 8, 2023
Apr 17, 2023May 1, 2023
$0.2000
$0.2000
Quarterly+11.11%
Dec 1, 2022
Jan 13, 2023Feb 1, 2023
$0.1800
$0.1800
Quarterly+20.00%
Sep 28, 2022
Oct 18, 2022Nov 1, 2022
$0.1500
$0.1500
Quarterly0.00%
Jun 29, 2022
Jul 18, 2022Aug 1, 2022
$0.1500
$0.1500
Quarterly0.00%
Mar 18, 2022
Apr 18, 2022May 2, 2022
$0.1500
$0.1500
Quarterly0.00%
Nov 17, 2021
Jan 14, 2022Feb 1, 2022
$0.1500
$0.1500
Quarterly0.00%
Sep 27, 2021
Oct 18, 2021Nov 1, 2021
$0.1500
$0.1500
Quarterly0.00%
Jul 1, 2021
Jul 19, 2021Aug 2, 2021
$0.1500
$0.1500
Quarterly0.00%
Mar 24, 2021
Apr 19, 2021May 3, 2021
$0.1500
$0.1500
Quarterly+15.38%
Dec 17, 2020
Jan 15, 2021Feb 1, 2021
$0.1300
$0.1300
Quarterly0.00%
Sep 23, 2020
Oct 16, 2020Nov 2, 2020
$0.1300
$0.1300
Quarterly0.00%
Jun 18, 2020
Jul 17, 2020Aug 3, 2020
$0.1300
$0.1300
Quarterly0.00%
Mar 25, 2020
Apr 17, 2020May 1, 2020
$0.1300
$0.1300
Quarterly0.00%
Dec 13, 2019
Jan 15, 2020Feb 3, 2020
$0.1300
$0.1300
Quarterly0.00%
Sep 25, 2019
Oct 16, 2019Nov 1, 2019
$0.1300
$0.1300
Quarterly+44.44%
Jun 19, 2019
Jul 17, 2019Aug 1, 2019
$0.0900
$0.0900
Quarterly0.00%
Mar 27, 2019
Apr 17, 2019May 1, 2019
$0.0900
$0.0900
Quarterly0.00%
Dec 19, 2018
Jan 15, 2019Feb 1, 2019
$0.0900
$0.0900
Quarterly0.00%
Sep 26, 2018
Oct 15, 2018Nov 1, 2018
$0.0900
$0.0900
Quarterly0.00%
Jun 20, 2018
Jul 16, 2018Aug 1, 2018
$0.0900
$0.0900
Quarterly0.00%
Mar 7, 2018
Apr 16, 2018May 2, 2018
$0.0900
$0.0900
Quarterly+800.00%
Sep 27, 2010
Oct 13, 2010Nov 1, 2010
$0.0100
$0.0100
Quarterly0.00%
Jun 24, 2010
Jul 14, 2010Aug 2, 2010
$0.0100
$0.0100
Quarterly0.00%
Mar 15, 2010
Apr 14, 2010Apr 30, 2010
$0.0100
$0.0100
Quarterly-90.00%
Dec 18, 2009
Jan 13, 2010Feb 1, 2010
$0.1000
$0.1000
Quarterly-50.00%
Sep 24, 2009
Oct 14, 2009Nov 2, 2009
$0.2000
$0.2000
Quarterly0.00%
Jun 25, 2009
Jul 14, 2009Jul 31, 2009
$0.2000
$0.2000
Quarterly0.00%
Mar 27, 2009
Apr 14, 2009May 1, 2009
$0.2000
$0.2000
Quarterly0.00%
Jan 16, 2009
Jan 26, 2009Feb 1, 2009
$0.2000
$0.2000
Quarterly0.00%
Sep 18, 2008
Oct 13, 2008Nov 1, 2008
$0.2000
$0.2000
Quarterly0.00%
Jun 18, 2008
Jul 14, 2008Aug 1, 2008
$0.2000
$0.2000
Quarterly0.00%
Mar 19, 2008
Apr 14, 2008May 1, 2008
$0.2000
$0.2000
Quarterly0.00%
Dec 19, 2007
Jan 14, 2008Feb 1, 2008
$0.2000
$0.2000
Quarterly+2.56%
Sep 19, 2007
Oct 15, 2007Nov 1, 2007
$0.1950
$0.1950
Quarterly0.00%
Jun 20, 2007
Jul 16, 2007Aug 1, 2007
$0.1950
$0.1950
Quarterly0.00%
Mar 21, 2007
Apr 16, 2007May 1, 2007
$0.1950
$0.1950
Quarterly0.00%
Dec 20, 2006
Jan 15, 2007Feb 1, 2007
$0.1950
$0.1950
Quarterly+2.63%
Sep 20, 2006
Oct 16, 2006Nov 1, 2006
$0.1900
$0.1900
Quarterly-
func

First United Corporation Payout Ratio Analysis

FUNC ยท NASDAQ
Dividends Paid
-5.97M
2025
Net Income
24.52M
2025
Payout Ratio
24.34%
2025

Dividend Sustainability Analysis

Payout Ratio
24.34%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
38.7%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-11.1%

Significant dividend reduction signals serious challenges. Company prioritizing financial stability over shareholder returns. High risk of further cuts.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.

Key Insight

Recent dividend cut signals distress: Management forced to reduce payout, indicating financial pressure. Evaluate whether business challenges are temporary or structural before reinvesting.