image
First United Corporation FUNC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 32.54
1.62 %
$ 211 M
Market Cap
9.35
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one FUNC stock under the worst case scenario is HIDDEN Compared to the current market price of 32.5 USD, First United Corporation is HIDDEN

FUNC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one FUNC stock under the base case scenario is HIDDEN Compared to the current market price of 32.5 USD, First United Corporation is HIDDEN

FUNC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one FUNC stock under the best case scenario is HIDDEN Compared to the current market price of 32.5 USD, First United Corporation is HIDDEN

FUNC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart FUNC

image
1M -3%
6M 1%
1Y 25%
3Y 96%
5Y 255.0%
All
$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.0Feb '25Feb '25Mar '25Mar '25Apr '25Apr '25May '25May '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25
FINANCIALS
112 M REVENUE
16.94%
Growth Rates
1Year 16.94%
3Years 12.46%
5Years 8.40%
7Years 8.97%
10Years 6.35%
27.2 M OPERATING INCOME
39.81%
Growth Rates
1Year 39.81%
3Years 1.15%
5Years 10.56%
7Years 12.14%
10Years 14.77%
20.6 M NET INCOME
36.58%
Growth Rates
1Year 36.58%
3Years 1.33%
5Years 9.39%
7Years 21.48%
10Years 13.90%
22.3 M OPERATING CASH FLOW
-0.84%
Growth Rates
1Year -0.84%
3Years 3.63%
5Years 6.33%
7Years 8.09%
10Years 19.08%
-38.4 M INVESTING CASH FLOW
52.96%
Growth Rates
1Year 52.96%
3Years -10.58%
5Years -3.40%
7Years -25.92%
10Years -32.06%
44.7 M FINANCING CASH FLOW
28.98%
Growth Rates
1Year 28.98%
3Years 55.60%
5Years 0.99%
7Years 16.70%
10Years 21.32%
28.9 M REVENUE
0.36%
Growth Rates
1Year 16.94%
3Years 12.46%
5Years 8.40%
7Years 8.97%
10Years 6.35%
7.7 M OPERATING INCOME
-5.50%
Growth Rates
1Year 39.81%
3Years 1.15%
5Years 10.56%
7Years 12.14%
10Years 14.77%
5.81 M NET INCOME
-6.14%
Growth Rates
1Year 36.58%
3Years 1.33%
5Years 9.39%
7Years 21.48%
10Years 13.90%
6.96 M OPERATING CASH FLOW
-24.66%
Growth Rates
1Year -0.84%
3Years 3.63%
5Years 6.33%
7Years 8.09%
10Years 19.08%
-3.19 M INVESTING CASH FLOW
92.33%
Growth Rates
1Year 52.96%
3Years -10.58%
5Years -3.40%
7Years -25.92%
10Years -32.06%
2.33 M FINANCING CASH FLOW
-95.18%
Growth Rates
1Year 28.98%
3Years 55.60%
5Years 0.99%
7Years 16.70%
10Years 21.32%
Balance Sheet First United Corporation
image
Current Assets 157 M
Cash & Short-Term Investments 150 M
Receivables 7.47 M
Other Current Assets 0
Non-Current Assets 1.82 B
Long-Term Investments 1.66 B
PP&E 31.3 M
Other Non-Current Assets 123 M
7.60 %84.20 %6.23 %Total Assets$2.0b
Current Liabilities 1.64 B
Accounts Payable 489 K
Short-Term Debt 65.4 M
Other Current Liabilities 1.58 B
Non-Current Liabilities 152 M
Long-Term Debt 122 M
Other Non-Current Liabilities 29.8 M
3.65 %87.85 %6.82 %Total Liabilities$1.8b
EFFICIENCY
Earnings Waterfall First United Corporation
image
Revenue 112 M
Cost Of Revenue 34.9 M
Gross Profit 76.9 M
Operating Expenses 49.6 M
Operating Income 27.2 M
Other Expenses 6.66 M
Net Income 20.6 M
120m120m100m100m80m80m60m60m40m40m20m20m00112m(35m)77m(50m)27m(7m)21mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
68.75% GROSS MARGIN
68.75%
Averages
1Year 68.75%
3Years 78.84%
5Years 82.15%
7Years 82.63%
10Years 82.59%
24.36% OPERATING MARGIN
24.36%
Averages
1Year 24.36%
3Years 28.66%
5Years 28.51%
7Years 26.36%
10Years 25.38%
18.40% NET MARGIN
18.40%
Averages
1Year 18.40%
3Years 21.76%
5Years 21.69%
7Years 20.26%
10Years 18.43%
11.47% ROE
11.47%
Averages
1Year 11.47%
3Years 12.43%
5Years 12.34%
7Years 11.61%
10Years 10.33%
1.04% ROA
1.04%
Averages
1Year 1.04%
3Years 1.06%
5Years 1.03%
7Years 0.97%
10Years 0.87%
5.18% ROIC
5.18%
Averages
1Year 5.18%
3Years 6.17%
5Years 6.12%
7Years 5.48%
10Years 4.71%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First United Corporation
image
25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 20.6 M
Depreciation & Amortization 3.79 M
Capital Expenditures -1.92 M
Stock-Based Compensation 483 K
Change in Working Capital -1.76 M
Others 24 K
Free Cash Flow 20.4 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets First United Corporation
image
FUNC has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.73% DIVIDEND YIELD
0.22 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.900.900.800.800.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.090.130.130.150.180.20.220.090.090.130.150.150.20.20.220.090.090.130.150.150.20.20.220.090.360.130.440.130.520.150.600.150.630.20.800.220.840.442018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership First United Corporation
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
19.6 K USD 4
3-6 MONTHS
9.92 K USD 4
6-9 MONTHS
8.98 K USD 4
9-12 MONTHS
7. News
First United Corporation (FUNC) Q2 Earnings and Revenues Surpass Estimates First United Corporation (FUNC) came out with quarterly earnings of $0.92 per share, beating the Zacks Consensus Estimate of $0.84 per share. This compares to earnings of $0.75 per share a year ago. zacks.com - 2 weeks ago
FIRST UNITED CORPORATION ANNOUNCES SECOND QUARTER 2025 FINANCIAL RESULTS OAKLAND, Md. , July 21, 2025 /PRNewswire/ -- First United Corporation (the "Corporation", "we", "us", and "our") (NASDAQ: FUNC), a bank holding company and the parent company of First United Bank & Trust (the "Bank"), today announced financial results for the three- and six-month periods ended June 30, 2025. prnewswire.com - 2 weeks ago
Strength Seen in First United (FUNC): Can Its 6.1% Jump Turn into More Strength? First United (FUNC) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term. zacks.com - 1 month ago
Are You Looking for a High-Growth 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 Corporation (FUNC) have what it takes? zacks.com - 1 month ago
FIRST UNITED CORPORATION ANNOUNCES THIRD QUARTER 2025 DIVIDEND OAKLAND, Md. , June 18, 2025 /PRNewswire/ -- First United Corporation (NASDAQ: FUNC) announces that its Board of Directors declared a cash dividend of $.22 per share that will be payable on August 1, 2025, to holders of record of the Corporation's common stock as of the close of business on July 18, 2025. prnewswire.com - 1 month ago
Why First United Corporation (FUNC) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United Corporation (FUNC) have what it takes? zacks.com - 2 months ago
First United Corporation: Shares Are Worth A Bullish View First United Corporation, a small Maryland-based bank, shows strong returns on assets and equity, making it an attractive investment despite higher price-to-book ratios. The bank's diverse services, including wealth management with $1.7 billion in assets, and recent growth in deposits and loans, highlight its potential. Despite some volatility in net interest income and profits, the bank's net interest margin and non-interest income have shown positive trends. seekingalpha.com - 3 months ago
First United Corporation (FUNC) Beats Q1 Earnings and Revenue Estimates First United Corporation (FUNC) came out with quarterly earnings of $0.89 per share, beating the Zacks Consensus Estimate of $0.80 per share. This compares to earnings of $0.62 per share a year ago. zacks.com - 3 months ago
FIRST UNITED CORPORATION ANNOUNCES FIRST QUARTER 2025 FINANCIAL RESULTS OAKLAND, Md. , April 21, 2025 /PRNewswire/ -- First United Corporation (the "Corporation, "we", "us", and "our") (NASDAQ: FUNC), a bank holding company and the parent company of First United Bank & Trust (the "Bank"), today announced financial results for the three-month period ended March 31, 2025. prnewswire.com - 3 months ago
First United Corporation (FUNC) Earnings Expected to Grow: What to Know Ahead of Q1 Release First United (FUNC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 months ago
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 Corporation (FUNC) have what it takes? zacks.com - 4 months ago
Best Momentum Stocks to Buy for March 6th FUNC, TAP and CAC made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on March 6, 2025. zacks.com - 5 months ago
8. Profile Summary

First United Corporation FUNC

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 211 M
Dividend Yield 0.73%
Description 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.
Contact 19 South Second Street, Oakland, MD, 21550-0009 https://mybank.com
IPO Date Sept. 3, 1992
Employees 291
Officers Ms. Carissa L. Rodeheaver CPA, CFP Chairman, President & Chief Executive Officer Mr. Jason B. Rush Senior Vice President & Chief Operating Officer Mr. Robert L. Fisher II Senior Vice President & Chief Revenue Officer Ms. Tonya K. Sturm Senior Vice President, Chief Financial Officer, Corporate Secretary & Treasurer Mr. Keith R. Sanders M.B.A. Senior Vice President & Chief Wealth Officer Ms. Julie W. Peterson Senior Vice President & Chief Credit Officer