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First United Corporation FUNC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 29.795
0.272 %
$ 193 M
Market Cap
8.48
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one FUNC stock under the worst case scenario is HIDDEN Compared to the current market price of 29.8 USD, First United Corporation is HIDDEN

FUNC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one FUNC stock under the base case scenario is HIDDEN Compared to the current market price of 29.8 USD, First United Corporation is HIDDEN

FUNC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one FUNC stock under the best case scenario is HIDDEN Compared to the current market price of 29.8 USD, First United Corporation is HIDDEN

FUNC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart FUNC

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1M -5%
6M -18%
1Y 57.0%
3Y 86%
5Y 147%
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$24.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
79.8 M REVENUE
14.44%
Growth Rates
1Year 14.44%
3Years 2.70%
5Years 4.78%
7Years 5.77%
10Years 4.85%
19.8 M OPERATING INCOME
37.02%
Growth Rates
1Year 37.02%
3Years -9.00%
5Years 3.76%
7Years 4.79%
10Years 3.45%
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
42.80%
Growth Rates
1Year 14.44%
3Years 2.70%
5Years 4.78%
7Years 5.77%
10Years 4.85%
7.7 M OPERATING INCOME
-23.09%
Growth Rates
1Year 37.02%
3Years -9.00%
5Years 3.76%
7Years 4.79%
10Years 3.45%
6.19 M NET INCOME
7.19%
Growth Rates
1Year 36.58%
3Years 1.33%
5Years 9.39%
7Years 21.48%
10Years 13.90%
9.24 M OPERATING CASH FLOW
250.85%
Growth Rates
1Year -0.84%
3Years 3.63%
5Years 6.33%
7Years 8.09%
10Years 19.08%
-41.6 M INVESTING CASH FLOW
-65.87%
Growth Rates
1Year 52.96%
3Years -10.58%
5Years -3.40%
7Years -25.92%
10Years -32.06%
48.3 M FINANCING CASH FLOW
21.50%
Growth Rates
1Year 28.98%
3Years 55.60%
5Years 0.99%
7Years 16.70%
10Years 21.32%
Balance Sheet First United Corporation
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Current Assets 179 M
Cash & Short-Term Investments 78.3 M
Receivables 7.47 M
Other Current Assets 93.2 M
Non-Current Assets 53 M
Long-Term Investments 0
PP&E 31.3 M
Other Non-Current Assets 21.8 M
33.76 %3.22 %40.16 %13.48 %9.38 %Total Assets$232.0m
Current Liabilities 65.4 M
Accounts Payable 0
Short-Term Debt 50 M
Other Current Liabilities 15.4 M
Non-Current Liabilities 0
Long-Term Debt 0
Other Non-Current Liabilities 0
76.44 %23.56 %Total Liabilities$65.4m
EFFICIENCY
Earnings Waterfall First United Corporation
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Revenue 79.8 M
Cost Of Revenue 35.5 M
Gross Profit 44.3 M
Operating Expenses 674 K
Operating Income 19.8 M
Other Expenses -744 K
Net Income 20.6 M
80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0080m(36m)44m(674k)20m744k21mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
55.47% GROSS MARGIN
55.47%
Averages
1Year 55.47%
3Years 51.81%
5Years 52.47%
7Years 50.12%
10Years 47.40%
24.85% OPERATING MARGIN
24.85%
Averages
1Year 24.85%
3Years 30.32%
5Years 30.80%
7Years 30.91%
10Years 31.92%
25.78% NET MARGIN
25.78%
Averages
1Year 25.78%
3Years 26.83%
5Years 25.59%
7Years 23.81%
10Years 21.37%
11.47% ROE
11.47%
Averages
1Year 11.47%
3Years 12.43%
5Years 12.34%
7Years 11.61%
10Years 10.15%
1.04% ROA
1.04%
Averages
1Year 1.04%
3Years 1.06%
5Years 1.03%
7Years 0.97%
10Years 0.86%
6.91% ROIC
6.91%
Averages
1Year 6.91%
3Years 4.52%
5Years 3.61%
7Years 3.17%
10Years 2.45%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First United Corporation
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25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 20.6 M
Depreciation & Amortization 3.79 M
Capital Expenditures 0
Stock-Based Compensation 483 K
Change in Working Capital 0
Others -1.74 M
Free Cash Flow 20.4 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets First United Corporation
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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
0.900.900.800.800.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.090.130.130.150.180.20.220.090.090.130.150.150.20.20.220.090.090.130.150.150.20.20.090.360.130.440.130.520.150.600.150.630.20.800.220.840.222018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 13
6. Ownership
Insider Ownership First United Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
55 K USD 1
Bought
9.75 K USD 3
0-3 MONTHS
10.1 K USD 4
3-6 MONTHS
9.92 K USD 4
6-9 MONTHS
8.88 K USD 4
9-12 MONTHS
7. News
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 weeks 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 - 1 month 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 - 1 month 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 - 1 month 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 - 2 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 - 2 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 - 3 months ago
New Strong Buy Stocks for March 6th TAP, AVBH, CLS, FUNC and HBT have been added to the Zacks Rank #1 (Strong Buy) List on March 6, 2025. zacks.com - 3 months ago
FIRST UNITED CORPORATION ANNOUNCES SECOND QUARTER 2025 DIVIDEND OAKLAND, Md. , March 5, 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 May 1, 2025, to holders of record of the Corporation's common stock as of the close of business on April 17, 2025. prnewswire.com - 3 months 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 - 3 months ago
Surging Earnings Estimates Signal Upside for First United (FUNC) Stock First United (FUNC) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 4 months 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 Corporation (FUNC) have what it takes? zacks.com - 4 months ago
8. Profile Summary

First United Corporation FUNC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 193 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