First United Corporation

First United Corporation

FUNCยทNASDAQ

$38.12

-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$245.75M
EPS3.7800
P/E Ratio10.08
Earnings Date07/20/2026
3Y+13.0%
5Y+20.0%
10Y+58.0%
3Y+11.0%
5Y+18.0%
10Y+56.0%
3Y+34.0%
5Y+55.0%
10Y+79.0%
func

First United Corporation Funding & Solvency Profile

FUNC ยท NASDAQ
Cash & Cash Equivalents131.61M
Net Receivables7.90M
Inventory0.00
Other Current Assets0.00
Total Current Assets160 M
Property, Plant & Equipment30.68M
Goodwill & Intangible Assets11.44M
Long-Term Investments1.51B
Other Non-Current Assets371.76M
Total Non-Current Assets2 B
Total Assets
2.09B

Financial Health Analysis

Current Ratio

0.09x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.25x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1595893000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

8% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

First United Corporation Balance Sheet

FUNC โ€ข NASDAQ

First United Corporation Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
131.6M
78.3M
49.8M
74.3M
115.7M
149.4M
50M
23.5M
83.8M
63.3M
52.1M
35.5M
43.1M
83.1M
65.1M
299.3M
189.7M
19.3M
25.8M
25.8M
20M
71.6M
97.2M
125.9M
286.8M
226.9M
131.3M
137.6M
146.5M
140M
170.2M
221.1M
336.6M
223.3M
245M
0.0
0.0
0.0
0.0
0.0
151.7M
149.9M
146.9M
200.2M
402.5M
376.3M
181.3M
161.2M
230.2M
203.3M
222.4M
256.6M
379.7M
306.3M
310.1M
299.3M
189.7M
19.3M
25.8M
25.8M
7.9M
7.5M
7.5M
6.1M
13.5M
13.7M
16.1M
20.5M
21.4M
21.1M
19.5M
21.9M
28.8M
25M
28.7M
44.9M
51.6M
24.3M
27.4M
21.2M
7.9M
7.5M
7.5M
6.1M
4.8M
6.2M
16.1M
20.5M
21.4M
21.1M
19.5M
21.9M
28.8M
25M
28.7M
44.9M
51.6M
24.3M
27.4M
21.2M
0.0
0.0
0.0
0.0
8.7M
7.4M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
159.6M
157.4M
154.4M
206.3M
416M
390M
197.3M
181.6M
251.7M
224.4M
241.9M
278.4M
408.5M
331.4M
338.8M
344.2M
241.2M
43.6M
53.2M
47M
NON-CURRENT ASSETS
30.7M
31.3M
32.8M
36.8M
36.9M
39.3M
41.4M
37.9M
30.9M
27.2M
25.2M
25.6M
26.9M
29.5M
30.8M
32.9M
31.7M
31.1M
31.4M
29.9M
11.4M
11M
11M
12.4M
12.1M
11M
11M
11M
11M
11M
11M
11M
11M
11M
12.9M
44.9M
51.6M
0.0
0.0
0.0
0.0
769K
1.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6M
0.0
0.0
24.3M
27.4M
21.2M
11.4M
11.8M
12.1M
12.4M
12.1M
11M
11M
11M
11M
11M
11M
11M
11M
11M
14.4M
14.7M
15.2M
16.3M
14.6M
14.5M
1.5B
1.7B
1.6B
1.5B
1.2B
1.2B
1.1B
1.1B
976.2M
979.2M
972.7M
937.4M
800.5M
862.8M
919.2M
1.2B
1.4B
1.5B
1.3B
1.2B
8.7M
10M
11.1M
10.6M
6.9M
8M
7.4M
7.8M
9.3M
19.3M
19.8M
25.9M
29.2M
28.9M
28.7M
26.4M
29.2M
29.6M
0.0
0.0
371.8M
101.2M
91.8M
81.7M
64.3M
63.8M
52M
55.3M
57.5M
57.1M
52.9M
54M
57.9M
57.3M
58.8M
60.9M
50.8M
43.7M
38.9M
37.5M
1.9B
1.8B
1.8B
1.6B
1.3B
1.3B
1.2B
1.2B
1.1B
1.1B
1.1B
1.1B
925.6M
989.4M
1.1B
1.4B
1.5B
1.6B
1.4B
1.3B
2.1B
2B
1.9B
1.8B
1.7B
1.7B
1.4B
1.4B
1.3B
1.3B
1.3B
1.3B
1.3B
1.3B
1.4B
1.7B
1.7B
1.6B
1.5B
1.3B
LIABILITIES
CURRENT LIABILITIES
2.6M
1.4M
1.3M
1.2M
15.8M
16.7M
925K
638K
18.9M
22.5M
20.5M
19.6M
28.4M
23M
22.5M
0.0
615K
1.1M
14.1M
15.4M
953K
489K
612K
151K
15.8M
16.7M
20.2M
19.9M
18.9M
22.5M
20.5M
19.6M
28.4M
23M
22.5M
0.0
0.0
0.0
12.9M
14.2M
1.7M
935K
718K
1M
0.0
0.0
-19.3M
-19.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
615K
24.3M
1.2M
1.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
20.3M
14.5M
0.0
0.0
17.7M
65.4M
45.4M
64.6M
57.7M
49.2M
48.7M
77.7M
48.8M
36M
35.8M
39.8M
43.7M
39.3M
73.7M
39.1M
47.6M
50.5M
88.9M
99.4M
1.7B
1.6B
1.6B
1.6B
1.5B
1.4B
1.1B
1.1B
1B
1B
998.8M
981.3M
977.4M
976.9M
1B
1.3B
1.3B
1.2B
1.1B
971.4M
1.8B
1.6B
1.6B
1.6B
1.5B
1.5B
1.2B
1.1B
1.1B
1.1B
1.1B
1B
1B
1B
1.1B
1.3B
1.4B
1.3B
1.2B
1.1B
NON-CURRENT LIABILITIES
95.9M
120.9M
110.9M
30.9M
30.9M
100.9M
100.9M
100.9M
120.9M
131.7M
147.5M
182.6M
182.7M
182.7M
207M
243.1M
270.5M
277.4M
178.5M
166.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-3.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
31.3M
29.8M
33.8M
26.6M
11.4M
10.2M
20.2M
19.9M
0.0
0.0
0.0
0.0
0.0
0.0
-36.9M
16.9M
60K
0.0
0.0
0.0
128.4M
152.1M
146.3M
59.9M
45.1M
114.1M
124.4M
120.8M
120.9M
131.7M
147.5M
182.6M
182.7M
182.7M
170.2M
260M
270.6M
277.4M
178.5M
166.3M
1.2M
1.4M
1.6M
2.4M
2.8M
3M
3.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9B
1.8B
1.7B
1.7B
1.6B
1.6B
1.3B
1.3B
1.2B
1.2B
1.2B
1.2B
1.2B
1.2B
1.3B
1.6B
1.6B
1.6B
1.4B
1.3B
SHAREHOLDERS' EQUITY
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
20M
30M
30M
30M
29.9M
29.9M
29.8M
29.7M
0.0
0.0
0.0
65K
65K
66K
67K
66K
70K
71K
71K
71K
63K
63K
62K
62K
62K
62K
62K
61K
61K
61K
61K
21.6M
20.5M
23.7M
24.4M
23.7M
30.1M
32.4M
31.9M
31.6M
22.2M
22M
21.8M
21.7M
21.6M
21.5M
21.4M
21.3M
20.5M
21.4M
21.4M
207.3M
189M
173.9M
166.3M
145.5M
129.7M
119.5M
109.5M
101.4M
92.9M
87.7M
77.4M
73.8M
69.2M
66.2M
64.2M
76.1M
93.1M
88.9M
80.9M
-25.3M
-30.2M
-35.8M
-39M
-27.3M
-28.9M
-26M
-24.4M
-24.6M
-21.5M
-18.9M
-20.2M
-24.2M
-21.8M
-21M
-19.8M
-26.7M
-41M
-5.7M
-5.6M
203.6M
179.3M
161.9M
151.8M
141.9M
131M
125.9M
117.1M
108.4M
113.7M
120.8M
109M
101.3M
98.9M
96.7M
95.6M
100.6M
72.7M
104.7M
96.9M
203.6M
179.3M
161.9M
151.8M
141.9M
131M
125.9M
117.1M
108.4M
113.7M
120.8M
109M
101.3M
98.9M
96.7M
95.6M
100.6M
72.7M
104.7M
96.9M
SUMMARY
2.1B
2B
1.9B
1.8B
1.7B
1.7B
1.4B
1.4B
1.3B
1.3B
1.3B
1.3B
1.3B
1.3B
1.4B
1.7B
1.7B
1.6B
1.5B
1.3B
1.5B
1.7B
1.7B
1.6B
1.5B
1.4B
1.3B
1.2B
1.1B
1.1B
1.1B
1.2B
1.1B
1.1B
1.2B
1.2B
1.4B
1.5B
1.3B
1.2B
114.8M
187.7M
157.9M
97.9M
91.4M
153M
152.9M
178.6M
169.8M
167.7M
183.4M
222.4M
226.3M
222M
280.8M
282.2M
318.1M
327.9M
267.4M
265.7M
-16.8M
109.4M
108.2M
23.6M
-24.3M
3.6M
102.9M
155.1M
86M
104.4M
131.2M
187M
183.3M
138.9M
215.7M
-17.1M
128.4M
308.6M
241.6M
239.9M
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432
6,486,432

SEC Filings

FUNC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 28, 2026
May 27, 2026
2026
8-K/A

8-K/A 2026 (Amended)

N/A

May 28, 2026
May 07, 2026
2026
8-K

8-K 2026

N/A

May 11, 2026
May 07, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 07, 2026
May 07, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 20, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 25, 2026
May 07, 2026
2026
8-K

8-K 2026

N/A

March 12, 2026
March 06, 2026
2026
8-K

8-K 2026

N/A

March 11, 2026
March 11, 2026
2026
10-K

10-K 2025 FY

FY

March 10, 2026
December 31, 2025
2025
Showing 1 to 10 of 489 filings