FUNC
Neutral signalScored 2026-08-07 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
First United Corporation
- Nom
- First United Corporation
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $296.4M
- Employés
- 329
- PDG
- Jason Rush
- Site web
- https://mybank.com
- Marché
- BPRNCFFIFSFGFVCBHWBKISTR
First United Corporation acts as the holding company for First United Bank & Trust, which delivers a wide array of retail and commercial banking solutions to both businesses and individual customers. The bank offers a diverse portfolio of deposit accounts, encompassing standard checking, savings, and money market options, in addition to specialized choices like regular and Individual Retirement Account (IRA) certificates of deposit, Christmas savings, college savings, and health savings accounts. It also provides advanced cash management programs, such as the Certificate of Deposit Account Registry Service (CDARS) and Insured Cash Sweep (ICS), available to governmental entities, businesses, and consumers. For its business clientele, First United extends comprehensive packages that feature treasury management, cash sweeping services, and various checking account opportunities. Regarding lending, the corporation provides an extensive range of loan products. These include commercial loans collateralized by real estate, equipment, vehicles, or other business assets. It also offers commercial real estate financing for residential and commercial developments, agricultural properties, and service industry buildings. Individual customers can access residential mortgage loans, home equity lines of credit, and residential real estate construction loans. Furthermore, the bank issues direct and indirect auto loans, student loans, and a variety of secured and unsecured term loans and lines of credit. Beyond traditional banking, the company furnishes a comprehensive suite of trust services, including personal and charitable trusts, investment agency accounts, and full-service retirement planning solutions (such as IRA rollovers, 401(k) accounts, and defined benefit plans), alongside estate administration and planning expertise. Supplementary services offered include insurance products, brokerage facilities, and practical amenities like safe deposit boxes and night depository facilities. First United Corporation's operational network consists of 26 banking branches, a dedicated customer care center, and 34 automated teller machines. This presence extends across Allegany, Frederick, Garrett, and Washington counties in Maryland, as well as Mineral, Berkeley, Monongalia, and Harrison counties in West Virginia. Established in 1900, the company's headquarters are situated in Oakland, Maryland.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 277,2 titres (~12 634,06 $ US) VENTE TOTALE: 1 000 titres (~44 580,00 $ US)
- Insiders
- Rodeheaver Carissa LynnRush Jason BarryBoal Brian R.RUDY IRVIN ROBERT
- Total bought
-
$12,634
Avg buy (VWAP, 90d window) $45.84 vs last close —
- Total sold
-
$282,352
Avg sell (VWAP, 90d window) $45.18 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-03
- Last synced
-
2026-08-09 12:58:10
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-03 | Boal Brian R. | Buy · P | 74 | $45.84 | $3,373 | Form 4 |
| 2026-08-03 | Rodeheaver Carissa Lynn | Buy · P | 103 | $45.84 | $4,724 | Form 4 |
| 2026-08-03 | Rush Jason Barry | Buy · P | 64 | $45.84 | $2,919 | Form 4 |
| 2026-08-03 | Sturm Tonya K. | Buy · P | 2 | $45.84 | $113 | Form 4 |
| 2026-07-28 | Fisher Robert L. II | Sell · S | 5,250 | $45.29 | $237,772 | Form 4 |
| 2026-07-24 | RUDY IRVIN ROBERT | Sell · S | 1,000 | $44.58 | $44,580 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-07 Drivers: fundamentals. Moteurs : fondamentaux.
FUNC shows a genuine earnings catalyst (Q2 beat + Zacks upgrade) and improving operational margins, but these positives are structurally undermined by a critically low current ratio of 0.09 and interest coverage near…
The first sentence of the analysis written for FUNC on 2026-08-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Sale value outweighs purchases
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.09 · operating margin 27% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 70.2% | 68.8% | 73.0% | 94.8% | 93.8% | |
| Ebit Margin | 27.3% | 24.4% | 20.4% | 41.2% | 33.5% | |
| Ebitda Margin | 29.9% | 27.7% | 25.5% | 45.8% | 37.8% | |
| Operating Profit Margin | 27.3% | 24.4% | 20.4% | 41.2% | 33.5% | |
| Pretax Profit Margin | 27.3% | 24.4% | 20.4% | 41.2% | 33.5% | |
| Continuous Operations Profit Margin | 20.6% | 18.4% | 15.8% | 31.1% | 25.1% | |
| Net Profit Margin | 20.6% | 18.4% | 15.8% | 31.1% | 25.1% | |
| Bottom Line Profit Margin | 20.6% | 18.4% | 15.8% | 31.1% | 25.1% | |
| Current Ratio | 0.091 | 0.096 | 0.097 | 0.126 | 0.270 | |
| Quick Ratio | 0.091 | 0.096 | 0.097 | 0.126 | 0.270 | |
| Solvency Ratio | 0.015 | 0.014 | 0.011 | 0.017 | 0.015 | |
| Cash Ratio | 0.075 | 0.048 | 0.031 | 0.045 | 0.075 | |
| Price To Earnings Ratio | 9.905 | 10.702 | 10.449 | 5.212 | 6.359 | |
| Price To Earnings Growth Ratio | 0.495 | 0.268 | -0.259 | 0.188 | 0.143 | |
| Forward Price To Earnings Growth Ratio | 0.495 | 0.268 | -0.259 | 0.188 | 0.143 | |
| Price To Earnings Diluted Ratio | 9.931 | 10.702 | 10.449 | 5.226 | 6.381 | |
| Price To Earnings Diluted Growth Ratio | 0.505 | 0.268 | -0.260 | 0.187 | 0.145 | |
| Price To Book Ratio | 1.193 | 1.227 | 0.971 | 0.861 | 0.887 | |
| Price To Sales Ratio | 2.039 | 1.968 | 1.644 | 1.624 | 1.601 | |
| Price To Free Cash Flow Ratio | 15.773 | 10.808 | 7.107 | 5.690 | 6.662 | |
| Price To Operating Cash Flow Ratio | 12.542 | 9.875 | 6.995 | 4.923 | 6.287 | |
| Debt To Assets Ratio | 0.055 | 0.095 | 0.083 | 0.053 | 0.053 | |
| Debt To Equity Ratio | 0.564 | 1.047 | 0.975 | 0.645 | 0.644 | |
| Debt To Capital Ratio | 0.360 | 0.511 | 0.494 | 0.392 | 0.392 | |
| Long Term Debt To Capital Ratio | 0.320 | 0.403 | 0.407 | 0.169 | 0.179 | |
| Financial Leverage Ratio | 10.251 | 11.004 | 11.774 | 12.176 | 12.191 | |
| Working Capital Turnover Ratio | -0.077 | -0.076 | -0.067 | -0.063 | -0.071 | |
| Operating Cash Flow Ratio | 0.011 | 0.014 | 0.014 | 0.016 | 0.013 | |
| Operating Cash Flow Sales Ratio | 0.163 | 0.199 | 0.235 | 0.330 | 0.255 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.795 | 0.914 | 0.984 | 0.865 | 0.944 | |
| Debt Service Coverage Ratio | 0.547 | 0.250 | 0.287 | 0.414 | 0.366 | |
| Interest Coverage Ratio | 0.994 | 0.851 | 0.802 | 6.929 | 4.604 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.097 | 0.341 | 0.495 | 0.411 | 0.347 | |
| Operating Cash Flow Coverage Ratio | 0.169 | 0.119 | 0.142 | 0.271 | 0.219 | |
| Capital Expenditure Coverage Ratio | 4.881 | 11.587 | 63.654 | 7.423 | 17.765 | |
| Dividend Paid And Capex Coverage Ratio | 1.950 | 3.054 | 4.034 | 3.510 | 3.990 | |
| Dividend Payout Ratio | 0.243 | 0.261 | 0.346 | 0.159 | 0.197 | |
| Enterprise Value Multiple | 6.353 | 10.618 | 10.878 | 4.188 | 3.415 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 70.2% | ▲1.5% | ▼-9.9% |
| Ebit Margin | 27.3% | ▲2.9% | ▼-2.1% |
| Ebitda Margin | 29.9% | ▲2.1% | ▼-3.5% |
| Operating Profit Margin | 27.3% | ▲2.9% | ▼-2.1% |
| Pretax Profit Margin | 27.3% | ▲2.9% | ▼-2.1% |
| Continuous Operations Profit Margin | 20.6% | ▲2.2% | ▼-1.6% |
| Net Profit Margin | 20.6% | ▲2.2% | ▼-1.6% |
| Bottom Line Profit Margin | 20.6% | ▲2.2% | ▼-1.6% |
| Current Ratio | 0.091 | ▼-0.005 | ▼-0.045 |
| Quick Ratio | 0.091 | ▼-0.005 | ▼-0.045 |
| Solvency Ratio | 0.015 | ▲0.001 | ▲0.000 |
| Cash Ratio | 0.075 | ▲0.027 | ▲0.020 |
| Price To Earnings Ratio | 9.905 | ▼-0.797 | ▲1.379 |
| Price To Earnings Growth Ratio | 0.495 | ▲0.228 | ▲0.329 |
| Forward Price To Earnings Growth Ratio | 0.495 | ▲0.228 | ▲0.329 |
| Price To Earnings Diluted Ratio | 9.931 | ▼-0.771 | ▲1.393 |
| Price To Earnings Diluted Growth Ratio | 0.505 | ▲0.237 | ▲0.336 |
| Price To Book Ratio | 1.193 | ▼-0.034 | ▲0.165 |
| Price To Sales Ratio | 2.039 | ▲0.071 | ▲0.264 |
| Price To Free Cash Flow Ratio | 15.773 | ▲4.965 | ▲6.565 |
| Price To Operating Cash Flow Ratio | 12.542 | ▲2.667 | ▲4.417 |
| Debt To Assets Ratio | 0.055 | ▼-0.040 | ▼-0.013 |
| Debt To Equity Ratio | 0.564 | ▼-0.483 | ▼-0.211 |
| Debt To Capital Ratio | 0.360 | ▼-0.151 | ▼-0.069 |
| Long Term Debt To Capital Ratio | 0.320 | ▼-0.083 | ▲0.025 |
| Financial Leverage Ratio | 10.251 | ▼-0.753 | ▼-1.228 |
| Working Capital Turnover Ratio | -0.077 | ▼-0.001 | ▼-0.007 |
| Operating Cash Flow Ratio | 0.011 | ▼-0.003 | ▼-0.003 |
| Operating Cash Flow Sales Ratio | 0.163 | ▼-0.037 | ▼-0.074 |
| Free Cash Flow Operating Cash Flow Ratio | 0.795 | ▼-0.119 | ▼-0.105 |
| Debt Service Coverage Ratio | 0.547 | ▲0.297 | ▲0.174 |
| Interest Coverage Ratio | 0.994 | ▲0.143 | ▼-1.842 |
| Short Term Operating Cash Flow Coverage Ratio | 1.097 | ▲0.756 | ▲0.559 |
| Operating Cash Flow Coverage Ratio | 0.169 | ▲0.050 | ▼-0.015 |
| Capital Expenditure Coverage Ratio | 4.881 | ▼-6.705 | ▼-16.181 |
| Dividend Paid And Capex Coverage Ratio | 1.950 | ▼-1.104 | ▼-1.358 |
| Dividend Payout Ratio | 0.243 | ▼-0.018 | ▲0.002 |
| Enterprise Value Multiple | 6.353 | ▼-4.265 | ▼-0.737 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $243.0M | $220.0M | $157.2M | $130.7M | $125.9M | |
| Enterprise value | $226.1M | $329.4M | $265.3M | $154.2M | $101.5M | |
| EV / Sales | 1.90x | 2.95x | 2.77x | 1.92x | 1.29x | |
| EV / Op. cash flow | 11.67x | 14.79x | 11.81x | 5.81x | 5.07x | |
| EV / Free cash flow | 14.68x | 16.18x | 12.00x | 6.71x | 5.38x | |
| EV / EBITDA | 6.35x | 10.62x | 10.88x | 4.19x | 3.42x | |
| Net debt / EBITDA | -0.47x | 3.53x | 4.43x | 0.64x | -0.82x | |
| Current ratio | 0.09x | 0.10x | 0.10x | 0.13x | 0.27x | |
| Income quality | 0.79x | 1.08x | 1.49x | 1.06x | 1.01x | |
| Graham number | $52 | $44 | $35 | $44 | $37 | |
| Graham net-net | -$266 | -$251 | -$238 | -$224 | -$175 | |
| Tax burden | 75.4% | 75.5% | 77.3% | 75.5% | 75.1% | |
| Interest burden | 100.0% | 100.0% | 99.9% | 100.0% | 100.0% | |
| Working capital | -$1.60B | -$1.48B | -$1.44B | -$1.43B | -$1.13B | |
| Invested capital | -$1.55B | -$1.44B | -$1.40B | -$1.38B | -$1.08B | |
| Return on assets | 1.2% | 1.0% | 0.8% | 1.4% | 1.1% | |
| Operating ROA | 1.6% | 1.4% | 1.0% | 1.9% | 1.5% | |
| Return on tangible assets | 1.2% | 1.0% | 0.8% | 1.4% | 1.2% | |
| Return on equity | 12.0% | 11.5% | 9.3% | 16.5% | 13.9% | |
| Return on invested capital | 7.0% | 5.2% | 4.3% | 9.1% | 8.1% | |
| Return on capital employed | 9.8% | 8.2% | 6.3% | 15.7% | 14.1% | |
| Earnings yield | 10.1% | 9.3% | 9.6% | 19.2% | 15.7% | |
| Free cash flow yield | 6.3% | 9.3% | 14.1% | 17.6% | 15.0% | |
| Capex / Op. cash flow | 20.5% | 8.6% | 1.6% | 13.5% | 5.6% | |
| Capex / Depreciation | 138.2% | 50.7% | 7.2% | 98.1% | 32.9% | |
| Capex / Sales | 3.3% | 1.7% | 0.4% | 4.4% | 1.4% | |
| SG&A / Sales | 29.4% | 27.5% | 31.8% | 32.8% | 33.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.4% | 0.6% | 0.7% | 0.6% | |
| Intangibles / Total assets | 0.5% | 0.6% | 0.6% | 0.7% | 0.7% | |
| Days sales outstanding | 24d | 24d | 29d | 27d | 63d | |
| Days payables outstanding | 10d | 5d | 9d | 13d | 1177d | |
| Operating cycle | 24d | 24d | 29d | 27d | 63d | |
| Cash conversion cycle | 14d | 19d | 20d | 14d | -1114d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-07-27 First United Corporation (FUNC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?
- 2026-07-24 First United (FUNC) Upgraded to Buy: What Does It Mean for the Stock? First United (FUNC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
- 2026-07-20 First United Corporation (FUNC) Q2 Earnings and Revenues Surpass Estimates First United Corporation (FUNC) came out with quarterly earnings of $1.13 per share, beating the Zacks Consensus Estimate of $1.05 per share. This compares to earnings of $0.92 per share a year ago.
- 2026-07-20 FIRST UNITED CORPORATION ANNOUNCES SECOND QUARTER 2026 FINANCIAL RESULTS OAKLAND, Md., July 20, 2026 /PRNewswire/ -- First United Corporation (the "Corporation", "we", "us", and "our") (NASDAQ: FUNC), a bank holding company and the parent company of First United Bank & Trust (the "Bank"), today announced financial results for the three- and six-month periods ended June 30, 2026.
- 2026-07-04 Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?
- 2026-06-17 FIRST UNITED CORPORATION ANNOUNCES THIRD QUARTER 2026 DIVIDEND OAKLAND, Md., June 17, 2026 /PRNewswire/ -- First United Corporation (NASDAQ: FUNC) announces that its Board of Directors declared a cash dividend of $.26 per share that will be paid on August 3, 2026, to holders of record of the Corporation''s common stock as of the close of business on July 20, 2026.
- 2026-06-17 Why First United Corporation (FUNC) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?
- 2026-06-01 Why First United Corporation (FUNC) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?
- 2026-05-15 First United Corporation (FUNC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?