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First United Corporation (FUNC)

Financial Services | Banks - Regional | Oakland, United States | NasdaqGS
43.16 USD -0.04 (-0.093%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 43.16

Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take | Aug. 22, 2026, 4:45 a.m. EDT

The stock presents a compelling medium-term opportunity driven by a robust recovery in business quality, yet it lacks the explosive momentum required for a high-conviction short-term trade. Fundamentally, the company has executed a remarkable turnaround over the last nine years, delivering a cumulative gain of nearly 260% with seven out of eight years showing positive growth. This trajectory suggests the market has fully recognized the improved operational efficiency and revenue expansion, evidenced by the current price trading well above the 200-day moving average. However, the immediate outlook is clouded by recent quarterly headwinds; earnings were softer than expected due to lower core performance, and the statistical forecasting model indicates a slight bearish lean for the next 45 days. While the analyst consensus remains strongly bullish with a unified target price significantly higher than the current level, the short-term price action has been volatile and recently slipped below key support levels, creating a tug-of-war between the strong long-term thesis and the lack of immediate technical catalysts. On the income side, the dividend offers a solid 2.4% yield with a very conservative payout ratio of roughly 26%, providing a reliable floor that supports the investment case even if the stock price consolidates.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.092062
MSTL0.094635
AutoTheta0.095230
AutoARIMA0.132459

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 49%
H-stat 8.02
Ljung-Box p 0.000
Jarque-Bera p 0.036
Excess Kurtosis -0.10
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-19
Last Dividend Date 2026-07-19
Revenue per Share 13.95
Market Cap 278,547,552
Trailing P/E 11.24
Forward P/E 8.99
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
dividendRate 1.04
dividendYield 2.41
exDividendDate 2026-07-20
trailingAnnualDividendRate 1.04
trailingAnnualDividendYield 0.024074072
lastDividendValue 0.26
lastDividendDate 2026-07-20
dividendDate 2026-08-03

Info Dump

Attribute Value
52 Week Change 0.16711736
Address1 19 South Second Street
All Time High 46.3
All Time Low 2.76
Ask 56.32
Ask Size 2
Audit Risk 5
Average Daily Volume10 Day 15,580
Average Daily Volume3 Month 24,430
Average Volume 24,430
Average Volume10Days 15,580
Beta 0.509
Bid 31.03
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 43.16
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 43.74
Day Low 43.03
Display Name First United
Dividend Date 1,785,715,200
Dividend Rate 1.04
Dividend Yield 2.41
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 3.257
Enterprise Value 294,530,560
Eps Current Year 3.33
Eps Forward 4.8
Eps Trailing Twelve Months 3.84
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 44.3298
Fifty Day Average Change -1.1697998
Fifty Day Average Change Percent -0.026388565
Fifty Two Week Change Percent 16.711735
Fifty Two Week High 46.3
Fifty Two Week High Change -3.1399994
Fifty Two Week High Change Percent -0.06781856
Fifty Two Week Low 33.54
Fifty Two Week Low Change 9.619999
Fifty Two Week Low Change Percent 0.28682166
Fifty Two Week Range 33.54 - 46.3
Financial Currency USD
First Trade Date Milliseconds 715,527,000,000
Five Year Avg Dividend Yield 3.17
Float Shares 5,936,174
Forward Eps 4.8
Forward P E 8.991666
Full Exchange Name NasdaqGS
Full Time Employees 315
Fullday Change -0.0400009
Fullday Change Percent -0.0925947
Fullday Price 43.16
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 90,429,000
Has Pre Post Market Data 1
Held Percent Insiders 0.07809
Held Percent Institutions 0.50292
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 278,547,552
Market State CLOSED
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 280,096,482
Number Of Analyst Opinions 2
Open 43.55
Operating Cashflow 30,138,000
Operating Margins 0.33376998
Overall Risk 4
Payout Ratio 0.2591
Peg Ratio 0.33
Phone 800 470 4356
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 43.16
Post Market Time 1,787,947,805
Previous Close 43.2
Price Eps Current Year 12.960961
Price Hint 2
Price To Book 1.3115749
Price To Sales Trailing12 Months 3.08029
Profit Margins 0.27707002
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.0400009
Regular Market Change Percent -0.0925947
Regular Market Day High 43.74
Regular Market Day Low 43.03
Regular Market Day Range 43.03 - 43.74
Regular Market Open 43.55
Regular Market Previous Close 43.2
Regular Market Price 43.16
Regular Market Time 1,787,947,201
Regular Market Volume 10,961
Return On Assets 0.012250001
Return On Equity 0.124180004
Revenue Growth 0.107
Revenue Per Share 13.95
Sand P52 Week Change 0.20204377
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 0.0139999995
Shares Short 90,280
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 92,370
Short Name First
Short Percent Of Float 0.0152
Short Ratio 3.57
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 0.024074072
Trailing Eps 3.84
Trailing P E 11.239584
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 39.48405
Two Hundred Day Average Change 3.675949
Two Hundred Day Average Change Percent 0.093099594
Type Disp Equity
Volume 10,961
Website https://mybank.com
Zip 21,550-0009