First United Corporation

First United Corporation

FUNC
First United CorporationUS flagNASDAQ Global Select
38.12
USD
-0.92
- -
245.75MMarket Cap
First United Corporation
FUNC
(NASDAQ Global Select)

Recent

price

38.12

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
8.21
8.79
8.65
8.25
7.9
8.01
8.35
7.78
8.39
8.89
9.62
10.74
11.39
10.73
12.22
13.69
14.06
Revenue per Share
-1.9
0.33
0.49
0.75
0.48
1.65
0.84
0.58
1.51
1.85
1.98
2.95
3.77
2.27
3.15
3.78
3.91
Basic EPS, GAAP
22.26
10.09
2.23
2.84
0.51
3.33
1.21
0.92
1.24
1.75
2.08
2.82
3.46
3.33
3.12
2.37
3.39
Free Cash Flow per Basic Share
0.31
- -
- -
- -
1.45
0.43
0.32
0.18
0.27
0.44
0.52
0.58
0.6
0.78
0.82
0.92
0.96
Dividend per Share
10.36
10.65
11.09
11.9
12.35
14.04
14.84
14.63
15.48
16.81
18.56
21.72
25.05
26.16
28.97
31.95
32.71
Book Value per Share
8.25
8.41
9.29
9.74
10.84
12.77
13.2
14.05
14.98
16.17
17.17
19.38
20.98
22.53
25.67
29.61
29.87
Tangible Book Value per Share
6
6
6
6
6
6
6
7
7
7
7
7
7
7
7
6
6
Basic Weighted Avg Shares
51
55
54
52
50
50
52
54
59
63
67
72
76
71
80
89
91
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
3
2
2
2
2
2
2
2
3
4
3
4
5
4
3
3
Depreciation Expense
-10
4
5
6
6
13
7
5
11
13
14
20
25
15
21
25
25
Net Income, GAAP
- -
- -
16.37
25.55
18.51
33.26
27.65
56.86
20.58
20.26
22.19
24.85
24.51
22.67
24.46
24.65
24.66
Effective Tax Rate (%)
-20.02
6.63
8.64
12.56
11.3
25.95
13.92
9.77
17.95
20.78
20.57
27.48
33.11
21.12
25.78
27.59
27.79
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
243
207
183
183
183
148
132
121
101
104
104
34
33
112
122
97
32
LT Debt
96
97
99
102
109
121
114
108
117
126
131
142
152
162
179
204
205
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-16.74
3.19
4.48
6.54
3.95
12.46
5.82
4.17
10.11
11.46
11.1
14.36
16.06
8.85
11.33
12.37
12.51
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
96
96
31
LT Finance Leases
1
1
1
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
238
243
238

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
112
152
107
Accounts Receivable, Net
7
8
7
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
3
2
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.53%
9.24%
13.57%
Free Cash Flow
3.24%
3.06%
-24.33%
Net Income, GAAP
14.48%
17.08%
19.18%
Sales/Revenue/Turnover
6.02%
5.93%
11.38%
Total Cash Common Dividend
- -
10.82%
11.06%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
19
20
20
21
80
2025
21
22
23
23
89
2026
23
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.56
0.75
0.89
0.96
3.15
2025
0.9
0.92
1.07
0.89
3.78
2026
1.03
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.2
0.2
0.2
0.22
0.82
2025
0.22
0.22
0.22
0.26
0.92
2026
0.26
- -
- -
- -
- -
Business
First United Corporation operates as a financial holding company headquartered in Oakland, Maryland. It primarily provides community banking and financial services through its subsidiary, First United Bank & Trust, across Maryland, Pennsylvania, West Virginia, and Virginia, operating 38 full-service banking offices. The company’s core products and services include a comprehensive range of deposit products such as checking accounts, savings and money market accounts, individual retirement accounts (IRA), certificates of deposit, Christmas and college savings accounts, and health savings accounts. It also offers various commercial and consumer loans including commercial real estate loans, commercial equipment loans, residential mortgages, home equity lines of credit, residential real estate construction loans, indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. In addition to lending and deposit services, First United Corporation provides treasury management, cash sweep programs, and various checking account options tailored to commercial clients. Its wealth management segment includes brokerage services, trust services covering personal trust, investment agency accounts, charitable trusts, estate administration, and estate planning along with retirement accounts management such as IRA roll-overs, 401(k) plans, and defined benefit plans. The company also markets insurance products and maintains safe deposit and night depository facilities. Recent major changes include leadership transitions and strong financial performance with reported net income increases reaching $41.6 million in 2023, total assets of approximately $2.9 billion, and total deposits of $2.4 billion. The company has maintained consistent earnings growth, expanding its market presence primarily in the mid-Atlantic region. It also enhanced its dividend payout and sustained solid operational metrics in consumer and commercial banking services in the latest quarters. First United Corporation was founded in 1900 and remains focused on supporting local community economic development while delivering comprehensive banking and wealth management solutions to individuals and businesses in its service regions. The company’s stock trades on NASDAQ under the ticker symbol FUNC.

Company News

APIChat
  • Why First United Corporation (FUNC) is a Top Dividend Stock for Your Portfolio

  • First United Corporation (FUNC) Could Be a Great Choice

  • What Makes First United (FUNC) a New Buy Stock

  • First United Corporation (FUNC) Q1 Earnings and Revenues Top Estimates

  • FIRST UNITED CORPORATION ANNOUNCES FIRST QUARTER 2026 FINANCIAL RESULTS

  • Head-To-Head Analysis: Orrstown Financial Services (NASDAQ:ORRF) and First United (NASDAQ:FUNC)

  • Why First United Corporation (FUNC) is a Great Dividend Stock Right Now

  • Why First United Corporation (FUNC) is a Top Dividend Stock for Your Portfolio

  • First United Corporation (FUNC) is a Top Dividend Stock Right Now: Should You Buy?

  • FIRST UNITED CORPORATION ANNOUNCES SECOND QUARTER 2026 DIVIDEND

  • This is Why First United Corporation (FUNC) is a Great Dividend Stock

  • Comparing First United (NASDAQ:FUNC) & Mvb Financial (NASDAQ:MVBF)

  • First United (FUNC) Moves to Buy: Rationale Behind the Upgrade

  • First United Corporation (FUNC) Could Be a Great Choice

  • First United Corporation (FUNC) Q4 Earnings and Revenues Beat Estimates

  • FIRST UNITED CORPORATION ANNOUNCES FOURTH QUARTER 2025 FINANCIAL RESULTS

  • First United (NASDAQ:FUNC) Stock Crosses Above 200-Day Moving Average – Time to Sell?

  • FIRST UNITED CORPORATION ANNOUNCES FIRST QUARTER 2026 DIVIDEND

  • Reviewing First United (NASDAQ:FUNC) & Berkshire Bancorp (OTCMKTS:BERK)

  • First United Corporation Announces Planned Retirement of Chairman of the Board, President & CEO Carissa L. Rodeheaver