Symbols / FUNC Stock $36.97 -0.80% First United Corporation

Financial Services • Banks - Regional • United States • NMS
FUNC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Jason B. Rush
Exch · Country NMS · United States
Market Cap 238.34M
Enterprise Value 200.10M
Income 25.37M
Sales 88.20M
FCF (ttm) —
Book/sh 31.84
Cash/sh 13.94
Employees 315
Insider 10d —
IPO Sep 03, 1992
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 24.55%
P/E 9.46
Forward P/E 7.70
PEG 0.33
P/S 2.70
P/B 1.16
P/C —
EV/EBITDA —
EV/Sales 2.27
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.91
EPS next Y 4.80
EPS Growth 15.50%
Revenue Growth 11.20%
EPS Gr Q/Q 14.80%
Rev Gr Q/Q —
Earnings (next) 2026-04-20
Earnings (prior) 2026-04-20
ROA 1.26%
ROE 13.05%
ROIC —
Gross Margin 0.00%
Oper. Margin 41.02%
Profit Margin 28.77%
Shs Outstand 6.45M
Shs Float 5.93M
Insider Own 7.72%
Instit Own 48.30%
Short Float 0.94%
Short Ratio 6.72
Short Interest 55.66K
52W High 41.95
vs 52W High -11.87%
52W Low 28.00
vs 52W Low 32.04%
Beta 0.51
Impl. Vol. —
Rel Volume 0.92
Avg Volume 11.73K
Volume 10.84K
Target (mean) $44.00
Tgt Median $44.00
Tgt Low $44.00
Tgt High $44.00
# Analysts 1
Recom None
Prev Close $37.27
Price $36.97
Change -0.80%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$44.00
Mean price target
2. Current target
$36.97
Latest analyst target
3. DCF / Fair value
$58.65
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$36.97
Low
$44.00
High
$44.00
Mean
$44.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2022-07-07 main Raymond James — → Outperform $25
2022-04-26 main Raymond James — → Outperform $28
2022-02-08 main Raymond James — → Outperform $26
2021-05-27 init Raymond James — → Outperform $24
News
RSS: Latest FUNC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-01 RODEHEAVER CARISSA LYNN Director — 167 $37.70 $6,352
2026-05-01 RUSH JASON BARRY Chief Executive Officer — 76 $38.10 $2,899
2026-05-01 BOAL BRIAN R Director — 78 $38.10 $2,990
2026-05-01 STURM TONYA K Chief Financial Officer — 2 $38.10 $112
2026-03-16 RODEHEAVER CARISSA LYNN Director — 766 $0.00 $0
2026-03-16 RUSH JASON BARRY Chief Executive Officer — 502 $0.00 $0
2026-03-16 SANDERS KEITH Officer — 420 $0.00 $0
2026-03-16 STURM TONYA K Chief Financial Officer — 428 $0.00 $0
2026-03-16 FISHER ROBERT L. II Officer — 526 $0.00 $0
2026-03-06 RUSH JASON BARRY Chief Executive Officer — 1,252 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
88.87
+11.38%
79.79
+11.87%
71.32
-5.72%
75.65
Operating Revenue
88.87
+11.38%
79.79
+11.87%
71.32
-5.72%
75.65
Selling General And Administration
32.32
+5.00%
30.78
+1.15%
30.43
+15.21%
26.41
Selling And Marketing Expense
0.90
+34.12%
0.67
-19.09%
0.83
+53.41%
0.54
General And Administrative Expense
31.41
+4.34%
30.10
+1.72%
29.59
+14.41%
25.87
Salaries And Wages
29.98
+4.73%
28.63
+1.74%
28.14
+13.69%
24.75
Other Gand A
—
—
—
—
Reconciled Depreciation
3.06
-19.32%
3.79
-22.82%
4.92
+34.87%
3.65
Total Unusual Items
-0.23
0.00
+100.00%
-0.03
-187.88%
0.03
Total Unusual Items Excluding Goodwill
-0.23
0.00
+100.00%
-0.03
-187.88%
0.03
Special Income Charges
-0.23
0.00
+100.00%
-0.03
-187.88%
0.03
Other Special Charges
0.23
—
0.03
+187.88%
-0.03
Net Income
24.52
+19.18%
20.57
+36.58%
15.06
-39.88%
25.05
Pretax Income
32.53
+19.47%
27.23
+39.81%
19.48
-41.30%
33.18
Net Interest Income
68.11
+13.56%
59.98
+5.47%
56.87
-1.32%
57.63
Interest Expense
32.73
+2.25%
32.02
+31.82%
24.29
+407.12%
4.79
Interest Income
100.85
+9.63%
91.99
+13.35%
81.16
+30.01%
62.42
Gain On Sale Of Security
0.05
+485.71%
-0.01
+99.67%
-4.26
-4630.85%
0.09
Tax Provision
8.02
+20.37%
6.66
+50.84%
4.42
-45.70%
8.13
Tax Rate For Calcs
0.00
+0.77%
0.00
+7.76%
0.00
-7.35%
0.00
Tax Effect Of Unusual Items
-0.06
0.00
+100.00%
-0.01
-181.42%
0.01
Net Income Including Noncontrolling Interests
24.52
+19.18%
20.57
+36.58%
15.06
-39.88%
25.05
Net Income From Continuing Operation Net Minority Interest
24.52
+19.18%
20.57
+36.58%
15.06
-39.88%
25.05
Net Income From Continuing And Discontinued Operation
24.52
+19.18%
20.57
+36.58%
15.06
-39.88%
25.05
Net Income Continuous Operations
24.52
+19.18%
20.57
+36.58%
15.06
-39.88%
25.05
Normalized Income
24.69
+20.02%
20.57
+36.38%
15.08
-39.73%
25.02
Net Income Common Stockholders
24.52
+19.18%
20.57
+36.58%
15.06
-39.88%
25.05
Diluted EPS
3.77
+19.68%
3.15
+40.62%
2.24
-40.43%
3.76
Basic EPS
3.78
+20.00%
3.15
+40.00%
2.25
-40.32%
3.77
Basic Average Shares
6.49
-0.57%
6.53
-1.83%
6.65
+0.07%
6.64
Diluted Average Shares
6.50
-0.55%
6.54
-1.85%
6.66
+0.02%
6.66
Diluted NI Availto Com Stockholders
24.52
+19.18%
20.57
+36.58%
15.06
-39.88%
25.05
Insurance And Claims
1.05
-1.78%
1.07
+7.86%
0.99
+55.97%
0.64
Occupancy And Equipment
5.08
-8.57%
5.55
-15.84%
6.60
-6.66%
7.07
Other Non Interest Expense
13.56
+19.38%
11.36
+2.49%
11.09
+36.63%
8.11
Professional Expense And Contract Services Expense
2.45
+25.72%
1.95
-8.67%
2.13
+38.69%
1.54
Rent And Landing Fees
0.38
-6.86%
0.41
-12.45%
0.47
-3.32%
0.48
Rent Expense Supplemental
0.38
-6.86%
0.41
-12.45%
0.47
-3.32%
0.48
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,087.45
+5.80%
1,973.02
+3.52%
1,905.86
+3.12%
1,848.17
Cash And Cash Equivalents
131.61
+68.03%
78.33
+57.43%
49.75
-33.05%
74.31
Cash Financial
129.83
+68.57%
77.02
+59.32%
48.34
-33.52%
72.72
Other Short Term Investments
20.04
-12.45%
22.89
-76.44%
97.17
-22.81%
125.89
Receivables
17.73
+137.23%
7.47
-0.19%
7.49
+23.73%
6.05
Accounts Receivable
7.90
+5.77%
7.47
-0.19%
7.49
+23.73%
6.05
Other Receivables
9.82
—
—
8.24
Net PPE
30.68
-1.93%
31.29
-4.69%
32.83
-10.91%
36.85
Gross PPE
63.53
-3.14%
65.59
+2.01%
64.29
-4.45%
67.29
Accumulated Depreciation
-32.85
+4.24%
-34.30
-9.01%
-31.46
-3.36%
-30.44
Land And Improvements
9.32
-12.20%
10.61
+16.27%
9.13
-1.85%
9.30
Buildings And Improvements
35.27
+0.99%
34.92
+0.00%
34.92
-2.92%
35.97
Machinery Furniture Equipment
17.92
-4.89%
18.85
-0.14%
18.87
-6.18%
20.12
Other Properties
1.01
-15.70%
1.20
-11.92%
1.37
-27.98%
1.90
Goodwill And Other Intangible Assets
11.44
-2.79%
11.77
-2.73%
12.10
-2.65%
12.43
Goodwill
—
—
—
12.43
Investments And Advances
23.43
-36.99%
37.19
-88.06%
311.47
-13.85%
361.55
Total Liabilities Net Minority Interest
1,883.82
+5.02%
1,793.73
+2.85%
1,743.99
+2.81%
1,696.38
Payables And Accrued Expenses
2.64
+38.16%
1.91
+43.83%
1.33
+10.93%
1.20
Payables
2.64
+38.16%
1.91
+43.83%
1.33
+10.93%
1.20
Accounts Payable
0.95
+94.89%
0.49
-20.10%
0.61
+305.30%
0.15
Dividends Payable
1.69
+18.68%
1.42
+7.07%
1.33
+10.93%
1.20
Employee Benefits
9.01
+8.07%
8.34
-14.75%
9.78
+35.90%
7.19
Current Debt And Capital Lease Obligation
0.00
-100.00%
50.00
0.00
—
Current Debt
0.00
-100.00%
50.00
0.00
—
Other Current Borrowings
0.00
-100.00%
50.00
0.00
—
Long Term Debt And Capital Lease Obligation
97.11
-20.61%
122.31
+8.74%
112.48
+237.77%
33.30
Long Term Debt
95.93
-20.67%
120.93
+9.01%
110.93
+258.66%
30.93
Long Term Capital Lease Obligation
1.18
-14.74%
1.38
-11.05%
1.56
-34.43%
2.37
Long Term Provisions
1.22
+41.14%
0.86
-1.15%
0.87
+556.39%
0.13
Defined Pension Benefit
20.80
+16.69%
17.82
+59.03%
11.21
+40.08%
8.00
Non Current Pension And Other Postretirement Benefit Plans
9.01
+8.07%
8.34
-14.75%
9.78
+35.90%
7.19
Stockholders Equity
203.63
+13.57%
179.29
+10.76%
161.87
+6.64%
151.79
Common Stock Equity
203.63
+13.57%
179.29
+10.76%
161.87
+6.64%
151.79
Capital Stock
0.07
+0.00%
0.07
-1.52%
0.07
-1.49%
0.07
Common Stock
0.07
+0.00%
0.07
-1.52%
0.07
-1.49%
0.07
Share Issued
6.50
+0.44%
6.47
-2.54%
6.64
-0.40%
6.67
Ordinary Shares Number
6.50
+0.44%
6.47
-2.54%
6.64
-0.40%
6.67
Additional Paid In Capital
21.55
+5.25%
20.48
-13.73%
23.73
-2.77%
24.41
Retained Earnings
207.28
+9.67%
189.00
+8.68%
173.90
+4.54%
166.34
Gains Losses Not Affecting Retained Earnings
-25.27
+16.47%
-30.25
+15.57%
-35.83
+8.20%
-39.03
Other Equity Adjustments
-25.27
+16.47%
-30.25
+15.57%
-35.83
+8.20%
-39.03
Total Equity Gross Minority Interest
203.63
+13.57%
179.29
+10.76%
161.87
+6.64%
151.79
Total Capitalization
299.56
-0.22%
300.22
+10.05%
272.80
+49.30%
182.72
Invested Capital
299.56
-14.47%
350.22
+28.38%
272.80
+49.30%
182.72
Total Debt
97.11
-43.64%
172.31
+53.19%
112.48
+237.77%
33.30
Net Debt
—
92.60
+51.37%
61.18
—
Capital Lease Obligations
1.18
-14.74%
1.38
-11.05%
1.56
-34.43%
2.37
Net Tangible Assets
192.19
+14.73%
167.52
+11.85%
149.77
+7.47%
139.36
Tangible Book Value
192.19
+14.73%
167.52
+11.85%
149.77
+7.47%
139.36
Available For Sale Securities
1.03
-95.50%
22.89
—
—
Cash Cash Equivalents And Federal Funds Sold
136.24
+62.01%
84.09
+52.89%
55.00
-27.00%
75.34
Held To Maturity Securities
2.36
-83.49%
14.30
-93.33%
214.30
-9.06%
235.66
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
19.37
-13.05%
22.28
-0.84%
22.47
-15.34%
26.54
Cash Flow From Continuing Operating Activities
19.37
-13.05%
22.28
-0.84%
22.47
-15.34%
26.54
Net Income From Continuing Operations
24.52
+19.18%
20.57
+36.58%
15.06
-39.88%
25.05
Depreciation Amortization Depletion
3.06
-19.32%
3.79
-22.82%
4.92
+34.87%
3.65
Depreciation
2.73
-21.13%
3.46
-24.47%
4.59
+33.86%
3.43
Amortization Cash Flow
0.33
-0.30%
0.33
+0.00%
0.33
+50.68%
0.22
Depreciation And Amortization
3.06
-19.32%
3.79
-22.82%
4.92
+34.87%
3.65
Amortization Of Intangibles
0.33
-0.30%
0.33
+0.00%
0.33
+50.68%
0.22
Other Non Cash Items
-0.48
+70.44%
-1.63
+45.68%
-3.00
-103.46%
-1.47
Stock Based Compensation
0.76
+57.35%
0.48
-8.35%
0.53
-0.94%
0.53
Asset Impairment Charge
1.68
0.00
-100.00%
0.02
0.00
Deferred Tax
-0.58
+30.18%
-0.82
+7.20%
-0.89
-249.41%
0.59
Deferred Income Tax
-0.58
+30.18%
-0.82
+7.20%
-0.89
-249.41%
0.59
Operating Gains Losses
-0.40
+2.90%
-0.41
-110.72%
3.86
+2345.35%
-0.17
Gain Loss On Investment Securities
-0.10
0.00
-100.00%
4.21
+4582.98%
-0.09
Gain Loss On Sale Of PPE
0.23
0.00
-100.00%
0.03
+187.88%
-0.03
Change In Working Capital
-10.98
-522.62%
-1.76
-235.69%
1.30
+1560.67%
-0.09
Change In Receivables
-12.87
-603.96%
2.55
+151.76%
-4.93
-861.11%
0.65
Changes In Account Receivables
-12.87
-603.96%
2.55
+151.76%
-4.93
-861.11%
0.65
Change In Payables And Accrued Expense
1.88
+143.62%
-4.32
-169.27%
6.23
+945.59%
-0.74
Change In Payable
1.88
+143.62%
-4.32
-169.27%
6.23
+945.59%
-0.74
Change In Account Payable
1.88
+143.62%
-4.32
-169.27%
6.23
+945.59%
-0.74
Investing Cash Flow
-48.01
-24.91%
-38.44
+52.96%
-81.71
+52.61%
-172.40
Cash Flow From Continuing Investing Activities
-48.01
-24.91%
-38.44
+52.96%
-81.71
+52.61%
-172.40
Net PPE Purchase And Sale
-3.97
-106.40%
-1.92
-467.26%
-0.34
+89.71%
-3.29
Purchase Of PPE
-3.97
-106.40%
-1.92
-444.76%
-0.35
+90.13%
-3.58
Sale Of PPE
—
0.00
-100.00%
0.01
-95.02%
0.28
Capital Expenditure
-3.97
-106.40%
-1.92
-444.76%
-0.35
+90.13%
-3.58
Net Investment Purchase And Sale
-3.81
-109.22%
41.29
-17.21%
49.87
+219.29%
-41.80
Purchase Of Investment
-25.64
-128.40%
-11.22
-181.44%
-3.99
+94.56%
-73.34
Sale Of Investment
21.83
-58.43%
52.51
-2.50%
53.86
+70.79%
31.53
Net Business Purchase And Sale
—
—
0.00
+100.00%
-0.60
Purchase Of Business
—
—
0.00
+100.00%
-0.60
Net Other Investing Changes
1.75
+33.79%
1.31
+141.11%
-3.18
-159200.00%
0.00
Financing Cash Flow
81.92
+83.15%
44.73
+28.98%
34.68
-66.80%
104.46
Cash Flow From Continuing Financing Activities
81.92
+83.15%
44.73
+28.98%
34.68
-66.80%
104.46
Net Issuance Payments Of Debt
-72.75
-342.57%
29.99
-50.72%
60.85
+786.29%
6.87
Issuance Of Debt
0.00
-100.00%
90.00
+12.50%
80.00
0.00
Repayment Of Debt
-25.00
+68.75%
-80.00
0.00
0.00
Long Term Debt Issuance
0.00
-100.00%
90.00
+12.50%
80.00
0.00
Long Term Debt Payments
-25.00
+68.75%
-80.00
0.00
0.00
Net Long Term Debt Issuance
-25.00
-350.00%
10.00
-87.50%
80.00
0.00
Net Short Term Debt Issuance
-47.75
-338.85%
19.99
+204.41%
-19.15
-378.87%
6.87
Net Common Stock Issuance
0.32
+108.42%
-3.74
-211.06%
-1.20
-654.38%
0.22
Common Stock Payments
0.00
+100.00%
-4.03
-169.52%
-1.50
0.00
Common Stock Dividend Paid
-5.97
-11.06%
-5.37
-2.99%
-5.22
-30.88%
-3.99
Cash Dividends Paid
-5.97
-11.06%
-5.37
-2.99%
-5.22
-30.88%
-3.99
Repurchase Of Capital Stock
0.00
+100.00%
-4.03
-169.52%
-1.50
0.00
Changes In Cash
53.28
+86.48%
28.57
+216.33%
-24.56
+40.68%
-41.41
Beginning Cash Position
78.33
+57.43%
49.75
-33.05%
74.31
-35.78%
115.72
End Cash Position
131.61
+68.03%
78.33
+57.43%
49.75
-33.05%
74.31
Free Cash Flow
15.40
-24.33%
20.36
-7.95%
22.12
-3.70%
22.97
Interest Paid Supplemental Data
34.18
+6.34%
32.14
+34.89%
23.82
+398.95%
4.78
Income Tax Paid Supplemental Data
8.48
+57.59%
5.38
-12.13%
6.13
-18.41%
7.51
Common Stock Issuance
0.32
+8.62%
0.29
-1.02%
0.29
+35.02%
0.22
Earnings Losses From Equity Investments
—
—
—
—
Issuance Of Capital Stock
0.32
+8.62%
0.29
-1.02%
0.29
+35.02%
0.22
Net Investment Properties Purchase And Sale
—
—
1.04
0.00
Sale Of Investment Properties
—
—
1.04
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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