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First United(NASDAQ) FUNC

Market Cap$278.55MMarket 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)+1,021%
5 Year+185%
1 Year+19%
1 Month-4%
Premium Feature
Moneyball Superscore
62/100
$43.16
-0.09%
-0.04Today
First United last closing stock price
MetricPriceDate
Last closeUSD 43.162026-08-28
First United stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.51%USD 42.942026-08-21
1 month-3.51%USD 44.732026-07-29
3 month+9.78%USD 39.312026-05-29
Year to date+17.53%USD 36.722025-12-31
1 year+18.95%USD 36.282025-08-28
3 year+191.25%USD 14.822023-08-29
5 year+184.7%USD 15.162021-08-27
Since inception+1,020.56%USD 3.861990-10-24

First United Financials at a Glance

Market Cap

$278.55MMarket 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)

$122.97M

Net Income (TTM)

$25.06M

EPS (TTM)

$3.86

P/E Ratio

11.19

Dividend

$1.04

Beta (Volatility)

0.50 (Low)

Price

$43.16

Volume

10,961

Open

$43.95

Previous Close

$43.16

Daily Range

$43.03 - $43.95

52-Week Range

$33.54 - $46.30

Estimated Earnings Date

Oct 26, 2026

FUNC News

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About First United

First United Corporation helps people and businesses manage their money. It provides bank accounts, home loans, and retirement planning services. The company serves local communities in Maryland and West Virginia.

Where the Services Are

  • Banking Services: Accounts for checking, savings, and money market needs along with Individual Retirement Account (IRA) certificates of deposit.
  • Trust Department: Personal and charitable trusts, estate administration, and investment agency accounts for individuals and organizations.
  • Retirement Planning: Solutions for employees including 401(k) accounts and defined benefit plans.
  • Lending Products: Commercial real estate, industrial, residential mortgage, and consumer term loans for diverse borrowing needs.

Shaping the Balance Sheet

  • Purchased a consumer loan pool during the second quarter of 2026 to expand its credit portfolio.
  • Repaid $65.0 million in Federal Home Loan Bank advances at their maturities in March 2026.
  • Repaid a $25.0 million brokered certificate of deposit in Jan. 2026.
  • Elected financial holding company status in 2021 to broaden its potential financial activities.

Deep Roots in Local Counties

First United operates 26 banking branches and 34 automated teller machines across four counties in Maryland and four counties in West Virginia. Business deposits accounted for 54% of its total deposit base as of June 30, 2026, providing a stable source of local funding.

The Financial Scorecard

  • Net income was $12.3 million for the six-month period ended June 30, 2026, up from $11.8 million year over year.
  • Total assets reached $2.1 billion as of June 30, 2026.
  • The loan portfolio grew to $1.6 billion at June 30, 2026, representing an increase of $50.4 million since Dec. 31, 2025.
  • Net interest margin rose to 3.89% for the first six months of 2026, up from 3.61% for the same period in 2025.
  • Diluted earnings per share reached $1.90 for the six-month period ended June 30, 2026.

Bottom Line

First United has evolved from a century-old local bank into a regional financial holding company. Its mix of community banking, lending, and trust services provides a diversified foundation for serving its Mid-Atlantic markets.

AI Generated • Aug 7, 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

71.87%

Operating Margin

26.93%

Net Income Margin

20.38%

Return on Equity

12.22%

Return on Capital

10.22%

Return on Assets

1.20%

Earnings Yield

8.94%

Dividend Yield

2.41%

Payout Ratio

25.87%

Stock Overview

Market Cap

$278.55MMarket 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

10.96K

Avg. Volume

24.24K

Financials (TTM)

Gross Profit

$88.38M

Operating Income

$33.12M

EBITDA

$35.31M

Operating Cash Flow

$30.14M

Capital Expenditure

-$3.86M

Free Cash Flow

$26.28M

Cash & ST Invst.

$363.50M

Total Debt

$101.17M

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
Q32025-09-303.7%
Q42025-12-31-4.9%
Q12026-03-314.8%
Q22026-06-301.7%
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
Q32025-09-3016.3%
Q42025-12-31-16.8%
Q12026-03-3115.7%
Q22026-06-30-15.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$31.47M

+5.0%

Gross Profit

$23.10M

+10.4%

Gross Margin

73.42%

N/A

Market Cap

$278.55MMarket 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

$846.65K

N/A

Employees

329

N/A

Net Income

$5.67M

-5.3%

EBITDA

$7.40M

-15.6%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$363.50M

+272.8%

Total Debt

$101.17M

-41.6%

Accounts Receivable

$40.73M

+468.8%

Inventory

$0.00

N/A

Long Term Debt

$31.94M

-73.9%

Short Term Debt

$69.23M

+35.9%

Return on Assets

1.20%

N/A

Return on Invested Capital

13.38%

N/A

Free Cash Flow

$4.66M

+560.1%

Operating Cash Flow

$4.81M

+383.0%

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Questions About FUNC

What is the current price of First United?

First United is trading at $43.16 per share.

What is the 52-week range for First United?

Over the past 52 weeks, First United has traded between $33.54 and $46.30.

How much debt does First United have?

As of the most recent reporting period, First United reported total debt of $101.17M.

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 2.41%.

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