MARKETSnap
  • Gainers &
    Losers
  • Most Active &
    More
  • 52-Week
    High/Low
  • P/E
    Ratios
    • Large Caps
    • Absolute
    • Total Market PE
  • Stocks
    Performance
    • Large Caps
    • Absolute
  • Industries
    Performance
    • Industry
    • Sector
  • Dividends
  • 📅 Calendar
    • Earnings Calendar
    • Dividends Calendar
    • Economics Calendar
  • 🔧 Tools
    • 💰 Intrinsic Value Calculator
    • 📈 Compounding Calculator
    • 🤖 Stock Pick Screener
  • More
    • Investment Compounding Calculator
    • Commodities
    • Currencies
    • Economic Indicators
      • Inflation
      • Consumer Sentiment
      • Recession Probability
      • Treasury Rates
      • GDP
FUNC stock logo

FUNC

First United Corporation

$40.96
0.69
 (1.71%)
Exchange:  NASDAQ
Market Cap:  264.058M
Shares Outstanding:  7.004M
Delayed data
Calculate FUNC Intrinsic Value
5-year outlook →
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 acts as the holding company for First United Bank & Trust, which delivers a wide array of retail and commercial banking solutions to both businesses and individual customers. The bank offers a diverse portfolio of deposit accounts, encompassing standard checking, savings, and money market options, in addition to specialized choices like regular and Individual Retirement Account (IRA) certificates of deposit, Christmas savings, college savings, and health savings accounts. It also provides advanced cash management programs, such as the Certificate of Deposit Account Registry Service (CDARS) and Insured Cash Sweep (ICS), available to governmental entities, businesses, and consumers. For its business clientele, First United extends comprehensive packages that feature treasury management, cash sweeping services, and various checking account opportunities. Regarding lending, the corporation provides an extensive range of loan products. These include commercial loans collateralized by real estate, equipment, vehicles, or other business assets. It also offers commercial real estate financing for residential and commercial developments, agricultural properties, and service industry buildings. Individual customers can access residential mortgage loans, home equity lines of credit, and residential real estate construction loans. Furthermore, the bank issues direct and indirect auto loans, student loans, and a variety of secured and unsecured term loans and lines of credit. Beyond traditional banking, the company furnishes a comprehensive suite of trust services, including personal and charitable trusts, investment agency accounts, and full-service retirement planning solutions (such as IRA rollovers, 401(k) accounts, and defined benefit plans), alongside estate administration and planning expertise. Supplementary services offered include insurance products, brokerage facilities, and practical amenities like safe deposit boxes and night depository facilities. First United Corporation’s operational network consists of 26 banking branches, a dedicated customer care center, and 34 automated teller machines. This presence extends across Allegany, Frederick, Garrett, and Washington counties in Maryland, as well as Mineral, Berkeley, Monongalia, and Harrison counties in West Virginia. Established in 1900, the company’s headquarters are situated in Oakland, Maryland.

Click to read more…

Revenue Segmentation

MARKETSnap

Log in to continue

Log in to see the complete revenue and geographic breakdown.

Login — it's free

EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

Log in to continue

Log in for the full EPS chart and links to analyst estimates.

Login — it's free
View full analyst estimates

Earnings Call

No earnings call materials on file for this symbol yet.

Log in to continue

Log in to read the full transcript and AI-generated earnings summaries.

Login — it's free
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

Log in to continue

Log in to see the income statement and 10 historical years.

Login — it's free

(* 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

Log in to continue

Log in to see the balance sheet and 10 historical years.

Login — it's free

(* All numbers are in thousands)

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

Log in to continue

Log in to see the cash flow statement and 10 historical years.

Login — it's free

(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)101,134.093Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)101,524.906Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)101,329.500Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)33,206.035Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)33,334.353Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)33,270.194Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)30,539.536Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)30,693.031Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)30,616.284Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)31,394.177Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)31,515.494Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)31,454.836Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.710Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.720Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.700Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

Log in to continue

Log in and subscribe to Full Access to see up to 5 years of analyst estimates.

Login — it's free

(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
111.657M  ?P/S
 (TTM)
: 
2.11
?Net Income
 (TTM)
: 
20.569M  ?P/E
 (TTM)
: 
10.15
?Enterprise Value
 (TTM)
: 
217.829M  ?EV/FCF
 (TTM)
: 
9.76
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.25
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
0.09
?Net Debt
 (TTM)
: 
110.702M  ?Debt/Equity
 (TTM)
: 
0.25
?P/B
 (TTM)
: 
1.25  ?Current Ratio
 (TTM)
: 
0.23

Log in to continue

Log in to see all key valuation metrics and ratios for this symbol.

Login — it's free

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
9.44Full AccessFull AccessFull AccessFull Access

Log in to continue

Log in with Full Access for forward P/E high/low estimates and the full multi-year table.

Login — it's free

SWOT Analysis

🔒 You are currently logged out

Login

It's free

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.

[intrinsic_calculator]

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.

Daily snapshot

1.71
MARKETSnap

Trading Metrics:

Open: 40.57   Previous Close: 40.27
Day Low: 40.57   Day High: 41.52
Year Low: 28   Year High: 41.95
Price Avg 50: 37.83   Price Avg 200: 37.32
Volume: 32294   Average Volume: 12455

Log in to continue

Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.

Login — it's free
Could not create stock discussion for FUNC

Relevant news

Why First United Corporation (FUNC) is a Top Dividend Stock for Your Portfolio
01-06-2026 12:46
Why First United Corporation (FUNC) is a Top Dividend Stock for Your Portfolio
First United Corporation (FUNC) Could Be a Great Choice
15-05-2026 12:47
First United Corporation (FUNC) Could Be a Great Choice
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

DISCLAIMER: The stock market data provided on this website is for informational purposes only and is not intended for trading purposes. While we strive to provide accurate and timely information, we cannot guarantee that the information is accurate at the moment it is received or that it will continue to be accurate in the future. We are not responsible for any actions taken based on the information provided on this website. Always consult with a licensed financial professional before making any investment decisions.
Terms of Service

Copyright © 2025 MarketSnap. All rights reserved.

Contact Us

Privacy Policy

Cookie Policy

Terms of Service

Hover Image
MARKETSnap

Market

🇺🇸 United States

Language

  • Gainers & Losers
  • Most Active & More
  • 52-Week High/Low
  • Dividends
    • Large Caps
    • Absolute
    • Total Market PE
    • Large Caps
    • Absolute
    • Industry
    • Sector
    • Earnings Calendar
    • Dividends Calendar
    • Economics Calendar
  • 💰 Stock intrinsic value Calculator
  • 📈 Investment Compounding Calculator
  • 🤖 Stock Pick Screener
  • 📋 Watchlist & Portfolio
    • Commodities
    • Currencies
      • Inflation
      • Consumer Sentiment
      • Recession Probability
      • Treasury Rates
      • GDP
  • Nexus
  • Login Login
  • Profile Profile
  • Watchlists Watchlists
  • My Valuations My Valuations
  • Settings Settings

Media

Watch Listen Read