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FUNC stock logo

FUNC

First United Corporation

$37.02
0.24
 (0.65%)
[ms_data_label text=’Delayed data’]
Exchange:  NASDAQ
Market Cap:  240.681M
Shares Outstanding:  7.004M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Jason Rush
Full Time Employees:  291
Address: 
19 South Second Street
Oakland
MD
21550-0009
US
Website:  https://mybank.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue95,609111,804119,181
Gross Profit69,74876,87083,703
EBITDA24,39231,02432,533
Operating Income19,47627,23032,533
Net Income15,06020,56924,515

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,905,8601,973,0222,087,453
Total Liabilities1,743,9871,793,7271,883,819
Total Stockholders Equity161,873179,295203,634
Total Debt157,903187,722115,950
Cash and Cash Equivalents49,75378,327129,830

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Cash Flow Statement

Year202320242025
Operating Cash Flow22,47022,28119,374
Capital Expenditure-353-1,923-3,969
Free Cash Flow22,11720,35815,405
Net Income15,06020,56924,515
Net Change in Cash-24,56228,57453,285

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)101,859Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)101,859Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)101,859Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)33,444.048Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)33,444.048Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)33,444.048Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)31,219.204Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)31,219.204Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)31,219.204Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)31,619.204Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)31,619.204Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)31,619.204Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.800Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.800Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.800Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
111.657M  ?P/S
 (TTM)
: 
2.05
?Net Income
 (TTM)
: 
20.569M  ?P/E
 (TTM)
: 
9.97
?Enterprise Value
 (TTM)
: 
230.702M  ?EV/FCF
 (TTM)
: 
14.7
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.24
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
-0.15
?Net Debt
 (TTM)
: 
110.702M  ?Debt/Equity
 (TTM)
: 
0.57
?P/B
 (TTM)
: 
1.2  ?Current Ratio
 (TTM)
: 
0.5

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.41Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate FUNC Intrinsic Value

Common questions about FUNC valuation

Is First United Corporation (FUNC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First United Corporation (FUNC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FUNC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FUNC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FUNC’s P/E ratio?

You can see FUNC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FUNC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FUNC a good long-term investment?

Whether FUNC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FUNC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

0.65
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 24.66   Year High: 41.95
Price Avg 50: 36.98   Price Avg 200: 36.18
Volume: 2875   Average Volume: 12163

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Could not create stock discussion for FUNC

Relevant news

What Makes First United (FUNC) a New Buy Stock
23-04-2026 13:01
What Makes First United (FUNC) a New Buy Stock
FIRST UNITED CORPORATION ANNOUNCES FIRST QUARTER 2026 FINANCIAL RESULTS
20-04-2026 16:36
FIRST UNITED CORPORATION ANNOUNCES FIRST QUARTER 2026 FINANCIAL RESULTS
Why First United Corporation (FUNC) is a Great Dividend Stock Right Now
13-04-2026 12:46
Why First United Corporation (FUNC) is a Great Dividend Stock Right Now

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