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First United

(NASDAQ) FUNC

Current Price$45.05
Market Cap$295.65MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1990)+1,083%
5 Year+225%
1 Year+39%
1 Month+11%
First United last closing stock price
MetricPriceDate
Last closeUSD 45.862026-07-16
First United stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.46%USD 43.902026-07-09
1 month+10.91%USD 41.352026-06-16
3 month+21.9%USD 37.622026-04-17
Year to date+24.16%USD 36.942025-12-31
1 year+39.4%USD 32.902025-07-16
3 year+213.48%USD 14.632023-07-17
5 year+225.3%USD 14.102021-07-16
Since inception+1,082.74%USD 3.881990-10-24

First United Financials at a Glance

Market Cap

$295.65MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$121.46M

Net Income (TTM)

$25.37M

EPS (TTM)

$3.90

P/E Ratio

11.76

Dividend

$1.00

Beta (Volatility)

0.50 (Low)

Price

$45.05

Volume

9,150.918

Open

$45.48

Previous Close

$45.86

Daily Range

$43.59 - $46.25

52-Week Range

$31.71 - $46.30

Estimated Earnings Date

Jul 20, 2026

FUNC News

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About First United

First United helps people save and borrow money. The bank serves local families and business owners. It provides tools to manage daily spending.

What Does the Bank Do?

  • Personal Banking: Checking accounts, savings plans, and individual retirement accounts for local residents.
  • Business Loans: Financing for equipment, vehicles, and real estate used by commercial companies.
  • Mortgage Services: Home loans, construction financing, and equity lines for residential property buyers.
  • Wealth Management: Trust services, estate planning, and 401(k) management for individuals and businesses.

Recent Strategic Steps

  • Repurchased 60,600 shares of common stock during the first quarter of 2026.
  • Increased total net loans to $1.5 billion as of March 31, 2026.
  • Modified loan terms for specific residential and commercial borrowers facing financial difficulty in early 2026.

Why It Stands Out

First United operates 26 banking offices across eight counties in Maryland and West Virginia. The company maintains its own trust department to offer estate administration alongside traditional retail banking.

A Look at the Numbers

  • Revenue rose to $30.9 million in Q1 2026, up 6.7% from Q1 2025.
  • Net income reached $6.7 million in Q1 2026, a 14.8% increase year-over-year.
  • Free cash flow grew 118.2% to $13.9 million during the first three months of 2026.
  • Operating income climbed to $8.8 million in Q1 2026, up 14.9% from the prior year.

The Final Word

First United has evolved into a modern regional financial services provider with a diversified revenue stream. Its steady growth in net income and community-focused lending support its long-term operational stability.

AI Generated • May 19, 2026

Industry

Banks

Sector

Financials

Employees

343

CEO

Jason Barry Rush

Website

www.mybank.com

Headquarters

Oakland, MD 21550-0009, US

FUNC Financials

Key Financial Metrics (TTM)

Gross Margin

70.98%

Operating Margin

27.73%

Net Income Margin

20.89%

Return on Equity

12.70%

Return on Capital

10.22%

Return on Assets

1.24%

Earnings Yield

8.50%

Dividend Yield

2.18%

Payout Ratio

24.57%

Stock Overview

Market Cap

$295.65MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

6.45M

Volume

9.15K

Avg. Volume

20.43K

Financials (TTM)

Gross Profit

$86.21M

Operating Income

$33.68M

EBITDA

$36.69M

Operating Cash Flow

$26.33M

Capital Expenditure

-$4.01M

Free Cash Flow

$22.32M

Cash & ST Invst.

$372.56M

Total Debt

$51.61M

First United Performance Analysis

First United annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 80,439,0000.1%
20232023-12-31USD 95,055,00018.2%
20242024-12-31USD 111,657,00017.5%
20252025-12-31USD 121,567,0008.9%
First United sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.4%
Q32025-09-303.7%
Q42025-12-31-4.9%
Q12026-03-314.8%
First United annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.7627.8%
20232023-12-31USD 2.25-40.2%
20242024-12-31USD 3.1539.9%
20252025-12-31USD 3.7719.8%
First United sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.4%
Q32025-09-3016.3%
Q42025-12-31-16.8%
Q12026-03-3115.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$30.93M

+6.7%

Gross Profit

$22.41M

+10.5%

Gross Margin

72.46%

N/A

Market Cap

$295.65MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$861.94K

N/A

Employees

343

N/A

Net Income

$6.66M

+14.8%

EBITDA

$9.60M

+12.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$372.56M

+146.2%

Total Debt

$51.61M

-63.8%

Accounts Receivable

$36.99M

+430.3%

Inventory

$0.00

N/A

Long Term Debt

$32.02M

-73.8%

Short Term Debt

$19.59M

-3.7%

Return on Assets

1.24%

N/A

Return on Invested Capital

12.53%

N/A

Free Cash Flow

$13.01M

+103.9%

Operating Cash Flow

$13.92M

+99.8%

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Questions About FUNC

What is the current price of First United?

First United is trading at $44.97 per share.

What is the 52-week range for First United?

Over the past 52 weeks, First United has traded between $31.71 and $46.30.

How much debt does First United have?

As of the most recent reporting period, First United reported total debt of $51.61M.

How much cash does First United have on hand?

First United does not have cash on hand data available.

What is First United’s dividend yield?

First United currently has a dividend yield of 2.18%.

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