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First United Corporation (FUNC)

Financial Services | Banks - Regional | Oakland, United States | NasdaqGS
44.89 USD +0.51 (1.149%) ⇧ (July 13, 2026, 4 p.m. EDT)
After hours: 44.89

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★☆☆
Hot Take | July 11, 2026, 5:17 a.m. EDT

The most compelling case here is the robust recovery story: the business has delivered a massive +232% gain over the last nine years, driven by seven consecutive years of positive annual growth, with the most recent year showing a strong +52% surge. This trajectory suggests the market has fully recognized the turnaround, yet the stock trades at a modest 11x trailing earnings and just 1.4x book value, implying significant room for multiple expansion if profitability continues to hold. While the statistical forecast model offers only a weak lean upward with low confidence, the fundamental momentum—evidenced by the price trading well above both its 50-day and 200-day averages—supports a constructive near-term view. The dividend is a solid feature, having grown consistently from $0.15 to $0.26 over the past few years with a very safe payout ratio of roughly 25%, providing a reliable income floor. However, the short-term outlook remains cautious; the recent price action shows volatility and a slight pullback from the July highs, preventing a full 'high-conviction' bullish rating despite the strong underlying fundamentals.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.053262
MSTL_1260.054851
AutoETS0.061485
AutoARIMA0.061571
MSTL0.061893
MSTL_70_1260.074513
MSTL_700.079870

Forecast horizon: 60 days | Selected: AutoTheta

Forecast Reliability
Score 37%
H-stat 77.86
Ljung-Box p 0.000
Jarque-Bera p 0.036
Excess Kurtosis -0.99
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-19
Last Dividend Date 2026-04-16
Revenue per Share 13.585
Market Cap 289,393,120
Trailing P/E 11.48
Forward P/E 9.54
Beta 0.51
Profit Margins 28.77%
Website https://mybank.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.69% 2.77% 3.35% 3.40%
Dividend History
Date Dividend Yield %
2026-04-17 0.260000 0.691122
2026-01-16 0.260000 0.685654
2025-10-17 0.260000 0.764256
2025-07-18 0.220000 0.631639
2025-04-17 0.220000 0.785714
2025-01-17 0.220000 0.667678
2024-10-18 0.220000 0.697748
2024-07-18 0.200000 0.841397
2024-04-16 0.200000 0.908678
2024-01-17 0.200000 0.913659
2023-10-17 0.200000 1.212856
2023-07-17 0.200000 1.252348
2023-04-14 0.200000 1.191895
2023-01-12 0.180000 0.918367
2022-10-17 0.150000 0.849377
2022-07-15 0.150000 0.874126
2022-04-14 0.150000 0.654450
2022-01-13 0.150000 0.742942
2021-10-15 0.150000 0.823271
2021-07-16 0.150000 0.906344
2021-04-16 0.150000 0.887574
2021-01-14 0.130000 0.754936
2020-10-15 0.130000 0.995406
2020-07-16 0.130000 1.133391
2020-04-16 0.130000 0.984103
2020-01-14 0.130000 0.543024
2019-10-15 0.130000 0.559380
2019-07-16 0.090000 0.460829
2019-04-16 0.090000 0.488334
2019-01-14 0.090000 0.540865
2018-10-12 0.090000 0.487541
2018-07-13 0.090000 0.471204
2018-04-13 0.090000 0.463918
2010-10-08 0.010000 0.229358
2010-07-12 0.010000 0.234742
2010-04-12 0.010000 0.166113
2010-01-11 0.100000 1.677852
2009-10-09 0.200000 1.792115
2009-07-10 0.200000 1.877934
2009-04-09 0.200000 2.155172
2009-01-22 0.200000 1.488095
2008-10-08 0.200000 1.095890
2008-07-10 0.200000 1.176471
2008-04-10 0.200000 1.028807
2008-01-10 0.200000 1.013171
2007-10-11 0.195000 0.945225
2007-07-12 0.195000 0.963439
2007-04-12 0.195000 0.857897
2007-01-10 0.195000 0.886364
2006-10-12 0.190000 0.887021
2006-07-13 0.190000 0.915222
2006-04-12 0.190000 0.851636
2006-01-11 0.190000 0.904762
2005-10-12 0.185000 0.956072
2005-07-13 0.185000 0.913580
2005-04-13 0.185000 0.930116
2005-01-12 0.185000 0.907753
2004-10-13 0.180000 0.870827
2004-07-14 0.180000 0.899550
2004-04-14 0.180000 0.767591
2004-01-14 0.180000 0.675676
2003-10-15 0.175000 0.752688
2003-07-16 0.175000 0.802017
2003-04-15 0.175000 0.791139
2003-01-15 0.175000 1.029412
2002-10-16 0.170000 1.112565
2002-07-17 0.170000 0.954520
2002-04-17 0.170000 1.027190
2002-01-16 0.170000 1.033435
2001-10-17 0.165000 1.006098
2001-07-18 0.165000 1.200000
2001-04-18 0.165000 1.286048
2001-01-17 0.165000 1.434783
2000-10-18 0.160000 1.560976
2000-07-18 0.160000 1.532934
2000-04-18 0.160000 1.580247
2000-01-18 0.160000 1.299492
1999-10-18 0.155000 1.068966
1999-07-16 0.155000 1.016393
1999-04-16 0.155000 1.016393
1999-01-15 0.150000 0.882353
1998-10-16 0.150000 0.833333
1998-07-16 0.150000 0.736196
1998-04-16 0.150000 0.754717
1998-01-15 0.150000 0.833333
1997-10-16 0.140000 0.788732
1997-07-16 0.140000 0.788732
1997-04-15 0.140000 0.842105
1997-01-16 0.140000 0.933333
1996-10-15 0.130000 0.881356
1996-07-17 0.130000 0.962963
1996-04-15 0.130000 0.866667
1996-01-16 0.123810 0.866670
1995-10-19 0.114286 0.738463
1995-07-20 0.114286 0.786887
1995-04-18 0.114286 0.648650
1995-01-17 0.114286 0.571430
1994-10-17 0.114286 0.774195
1994-07-15 0.114286 0.648650
1994-04-15 0.095238 0.454545
1994-01-11 0.101587 0.492306
1993-07-16 0.095238 0.697674
1993-04-12 0.095238 0.810810
1993-01-15 0.095238 0.857142
1992-10-07 0.095238 0.923076
Additional Data
dividendRate 1.04
dividendYield 2.35
exDividendDate 2026-07-20
trailingAnnualDividendRate 1.0
trailingAnnualDividendYield 0.022532672
lastDividendValue 0.26
lastDividendDate 2026-04-17
dividendDate 2026-08-03

Info Dump

Attribute Value
52 Week Change 0.2980404
Address1 19 South Second Street
All Time High 46.3
All Time Low 2.76
Ask 56.96
Ask Size 2
Audit Risk 5
Average Analyst Rating 1.5 - Strong Buy
Average Daily Volume10 Day 36,060
Average Daily Volume3 Month 19,247
Average Volume 19,247
Average Volume10Days 36,060
Beta 0.51
Bid 31.96
Bid Size 2
Board Risk 5
Book Value 31.84
City Oakland
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 2
Country United States
Crypto Tradeable 0
Currency USD
Current Price 44.89
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 45.3
Day Low 43.055
Display Name First United
Dividend Date 1,785,715,200
Dividend Rate 1.04
Dividend Yield 2.35
Earnings Growth 0.155
Earnings Quarterly Growth 0.148
Earnings Timestamp 1,776,715,200
Earnings Timestamp End 1,776,715,200
Earnings Timestamp Start 1,776,715,200
Ebitda Margins 0.0
Enterprise To Revenue 2.848
Enterprise Value 251,158,128
Eps Current Year 4.335
Eps Forward 4.705
Eps Trailing Twelve Months 3.91
Esg Populated 0
Ex Dividend Date 1,784,505,600
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 301 533 2823
Fifty Day Average 40.2536
Fifty Day Average Change 4.6363983
Fifty Day Average Change Percent 0.11517972
Fifty Two Week Change Percent 29.804039
Fifty Two Week High 46.3
Fifty Two Week High Change -1.4099998
Fifty Two Week High Change Percent -0.03045356
Fifty Two Week Low 31.71
Fifty Two Week Low Change 13.18
Fifty Two Week Low Change Percent 0.41564178
Fifty Two Week Range 31.71 - 46.3
Financial Currency USD
First Trade Date Milliseconds 715,527,000,000
Five Year Avg Dividend Yield 3.17
Float Shares 5,918,344
Forward Eps 4.705
Forward P E 9.540914
Full Exchange Name NasdaqGS
Full Time Employees 315
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 88,199,000
Has Pre Post Market Data 1
Held Percent Insiders 0.07897
Held Percent Institutions 0.48220003
Implied Shares Outstanding 6,446,717
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,776,384,000
Last Dividend Value 0.26
Last Fiscal Year End 1,767,139,200
Last Split Date 826,675,200
Last Split Factor 105:100
Long Business Summary 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 in the United States. It operates through Community Banking and Wealth Management segments. The company offers deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit (CD); and demand deposits. It also provides business and personal loans; commercial loans secured by real estate, commercial equipment, and vehicles or other assets of the borrower; residential mortgages; home equity lines of credit; real estate construction loans to builders and individuals for single-family dwellings; and consumer loans, including indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers brokerage; certificate of deposit account registry and IntraFi cash services; treasury management, cash sweep, and various checking opportunities; trust services, such as personal trust, investment agency accounts, charitable trusts, estate administration, and estate planning, as well as retirement accounts, including IRA rollovers, 401(k) accounts, and defined benefit plans; safe deposit and night depository facilities; and insurance products. Further, it provides online, mobile, and digital banking; debit and credit cards; business support; merchant services; remote deposit capture; positive pay; sweep and escrow accounts; check recovery and ordering; equipment loans; floorplan lending; mobile wallet and deposit; credit insights; personal finance; bill pay; CD and trust secured loans; boat and RV loans; and retirement planning services. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
Long Name First United Corporation
Market us_market
Market Cap 289,393,120
Market State PREPRE
Max Age 86,400
Message Board Id finmb_361890
Most Recent Quarter 1,774,915,200
Net Income To Common 25,372,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 285,396,161
Number Of Analyst Opinions 2
Open 43.055
Operating Cashflow 26,327,000
Operating Margins 0.41021
Overall Risk 4
Payout Ratio 0.2455
Peg Ratio 0.33
Phone 800 470 4356
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 44.89
Post Market Time 1,783,981,117
Previous Close 44.38
Price Eps Current Year 10.3552475
Price Hint 2
Price To Book 1.4098618
Price To Sales Trailing12 Months 3.2811384
Profit Margins 0.28767002
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key strong_buy
Recommendation Mean 1.5
Region US
Regular Market Change 0.509998
Regular Market Change Percent 1.14916
Regular Market Day High 45.3
Regular Market Day Low 43.055
Regular Market Day Range 43.055 - 45.3
Regular Market Open 43.055
Regular Market Previous Close 44.38
Regular Market Price 44.89
Regular Market Time 1,783,972,801
Regular Market Volume 25,037
Return On Assets 0.01263
Return On Equity 0.13046
Revenue Growth 0.112
Revenue Per Share 13.585
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 5
Shares Outstanding 6,446,717
Shares Percent Shares Out 0.0127
Shares Short 81,742
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 51,932
Short Name First
Short Percent Of Float 0.0138
Short Ratio 2.83
Source Interval 15
State MD
Symbol FUNC
Target High Price 50.0
Target Low Price 44.5
Target Mean Price 47.25
Target Median Price 47.25
Total Cash 89,847,000
Total Cash Per Share 13.937
Total Debt 51,612,000
Total Revenue 88,199,000
Tradeable 0
Trailing Annual Dividend Rate 1.0
Trailing Annual Dividend Yield 0.022532672
Trailing Eps 3.91
Trailing P E 11.480818
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 38.00955
Two Hundred Day Average Change 6.880451
Two Hundred Day Average Change Percent 0.18101902
Type Disp Equity
Volume 25,037
Website https://mybank.com
Zip 21,550-0009