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First United Corporation (FUNC)

Financial Services | Banks - Regional | Oakland, United States | NasdaqGS
43.40 USD -0.69 (-1.565%) ⇩ (Oct. 14, 2026, 4 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★★☆☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 9:05 a.m. EDT

The immediate outlook remains neutral due to conflicting technical and fundamental signals. While the stock trades above its 200-day average, suggesting some underlying support, it is currently hovering just below its 50-day moving average, indicating a lack of immediate upward momentum. This technical indecision is compounded by mixed earnings results; while revenue grew, quarterly earnings dipped, and the company relies on one-time consulting fees to boost reported profits, creating uncertainty about organic operational strength. Consequently, there is no clear high-conviction setup for a near-term trade. Looking further ahead, the business demonstrates solid, albeit unspectacular, fundamentals. The company maintains a healthy return on equity of roughly 12.4% and generates positive operating cash flow, supported by a manageable debt load relative to its cash reserves. However, the trajectory shows a slight drag on earnings growth (-4.5%), which prevents a top-tier 'exceptional buy' rating despite the decent profitability metrics. The market appears to be pricing in modest growth rather than explosive expansion. The dividend profile stands out as a key strength. With a yield near 2.6% and a very conservative payout ratio of approximately 26%, the company retains ample earnings to cover the distribution comfortably. This suggests the payout is sustainable and likely safe against future economic headwinds, making it attractive for income-focused investors who prioritize stability over aggressive capital appreciation.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.020284
AutoETS0.022104
AutoTheta0.052731
AutoARIMA0.117526

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 58%
H-stat 1.46
Ljung-Box p 0.000
Jarque-Bera p 0.457
Excess Kurtosis -0.75
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-10-18
Last Dividend Date 2026-07-19
Revenue per Share 13.95
Market Cap 280,096,480
Trailing P/E 11.24
Forward P/E 9.04
Beta 0.51
Profit Margins 27.71%
Website https://mybank.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.58% 2.72% 3.13% 3.34%
Dividend History
Date Dividend Yield %
2026-07-20 0.260000 0.582437
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
dividendYield 2.54
exDividendDate 2026-10-19
trailingAnnualDividendRate 1.04
trailingAnnualDividendYield 0.023588113
lastDividendValue 0.26
lastDividendDate 2026-07-20
dividendDate 2026-11-02

Info Dump

Attribute Value
52 Week Change 0.27235413
Address1 19 South Second Street
All Time High 46.3
All Time Low 2.76
Ask 56.07
Ask Size 2
Audit Risk 5
Average Daily Volume10 Day 40,480
Average Daily Volume3 Month 27,342
Average Volume 27,342
Average Volume10Days 40,480
Beta 0.513
Bid 30.96
Bid Size 2
Board Risk 5
Book Value 32.907
City Oakland
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 2
Country United States
Crypto Tradeable 0
Currency USD
Current Price 43.4
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 43.85
Day Low 43.085
Display Name First United
Dividend Date 1,793,577,600
Dividend Yield 2.54
Earnings Growth -0.045
Earnings Quarterly Growth -0.053
Earnings Timestamp 1,784,577,600
Earnings Timestamp End 1,793,044,800
Earnings Timestamp Start 1,793,044,800
Ebitda Margins 0.0
Enterprise To Revenue 3.274
Enterprise Value 296,079,488
Eps Current Year 3.33
Eps Forward 4.8
Eps Trailing Twelve Months 3.86
Esg Populated 0
Ex Dividend Date 1,792,368,000
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 301 533 2823
Fifty Day Average 43.8794
Fifty Day Average Change -0.47939682
Fifty Day Average Change Percent -0.010925328
Fifty Two Week Change Percent 27.235413
Fifty Two Week High 46.3
Fifty Two Week High Change -2.8999977
Fifty Two Week High Change Percent -0.06263494
Fifty Two Week Low 33.54
Fifty Two Week Low Change 9.860001
Fifty Two Week Low Change Percent 0.29397735
Fifty Two Week Range 33.54 - 46.3
Financial Currency USD
First Trade Date Milliseconds 715,527,000,000
Five Year Avg Dividend Yield 2.98
Float Shares 5,933,786
Forward Eps 4.8
Forward P E 9.041667
Full Exchange Name NasdaqGS
Full Time Employees 315
Fullday Change -0.6899986
Fullday Change Percent -1.5649776
Fullday Price 43.4
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 90,429,000
Has Pre Post Market Data 1
Held Percent Insiders 0.078449994
Held Percent Institutions 0.50298
Implied Shares Outstanding 6,453,836
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,784,505,600
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 280,096,480
Market State PRE
Max Age 86,400
Message Board Id finmb_361890
Most Recent Quarter 1,782,777,600
Net Income To Common 25,055,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 271,835,572
Number Of Analyst Opinions 2
Open 43.78
Operating Cashflow 30,138,000
Operating Margins 0.33376998
Overall Risk 3
Payout Ratio 0.2591
Peg Ratio 0.33
Phone 800 470 4356
Previous Close 44.09
Price Eps Current Year 13.033033
Price Hint 2
Price To Book 1.3188683
Price To Sales Trailing12 Months 3.0974188
Profit Margins 0.27707002
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.6899986
Regular Market Change Percent -1.5649776
Regular Market Day High 43.85
Regular Market Day Low 43.085
Regular Market Day Range 43.085 - 43.85
Regular Market Open 43.78
Regular Market Previous Close 44.09
Regular Market Price 43.4
Regular Market Time 1,792,008,001
Regular Market Volume 28,174
Return On Assets 0.012250001
Return On Equity 0.124180004
Revenue Growth 0.107
Revenue Per Share 13.95
Sand P52 Week Change 0.16440773
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 5
Shares Outstanding 6,453,836
Shares Percent Shares Out 0.0137
Shares Short 88,234
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 87,961
Short Name First
Short Percent Of Float 0.0149
Short Ratio 2.98
Source Interval 15
State MD
Symbol FUNC
Target High Price 50.0
Target Low Price 50.0
Target Mean Price 50.0
Target Median Price 50.0
Total Cash 85,188,000
Total Cash Per Share 13.2
Total Debt 101,171,000
Total Revenue 90,429,000
Tradeable 0
Trailing Annual Dividend Rate 1.04
Trailing Annual Dividend Yield 0.023588113
Trailing Eps 3.86
Trailing P E 11.243524
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 40.3267
Two Hundred Day Average Change 3.0733032
Two Hundred Day Average Change Percent 0.07621014
Type Disp Equity
Volume 28,174
Website https://mybank.com
Zip 21,550-0009