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    First United Corporation (FUNC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $43.40
    -0.69 (-1.56%)

    Market Cap: $280.10M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    81%(17/21)
    Avg Surprise
    +10.57%
    Streak
    12 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.16
    Range$1.16 - $1.16
    1 analysts
    EPS Revisions
    2
    0
    7d
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.15+0.9%
    60d ago$1.11+4.0%
    30d ago$1.11+4.0%
    7d ago$1.14+2.2%
    Current$1.16
    Revenue Consensus
    $25M
    Range$25M - $25M
    1 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.20
    Range$-0.97 - $1.37
    2 analysts
    Revenue Consensus
    $26M
    Range$26M - $26M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.20---
    Sep 26EST
    		-$1.16---
    Jun 26
    Reported Jul 20
    		$1.13$1.05+7.62%Beat+22.8%
    Mar 26
    Reported Apr 20
    		$1.02$0.92+10.87%Beat+14.6%
    Dec 25
    Reported Feb 4
    		$1.10$0.96+14.38%Beat+15.8%
    Sep 25
    Reported Oct 21
    		$1.07$0.89+20.22%Beat+20.2%
    Jun 25
    Reported Jul 21
    		$0.92$0.84+9.52%Beat+22.7%
    Mar 25
    Reported Apr 21
    		$0.89$0.80+11.25%Beat+43.5%
    Dec 24
    Reported Mar 20
    		$0.95$0.86+10.47%Beat+15.9%
    Sep 24
    Reported Oct 21
    		$0.89$0.79+12.66%Beat+32.8%
    Jun 24
    Reported Jul 22
    		$0.75$0.66+13.64%Beat+13.6%
    Mar 24
    Reported Apr 23
    		$0.62$0.56+10.71%Beat-4.6%
    Dec 23
    Reported Mar 15
    		$0.82$0.61+34.43%Beat-21.2%
    Sep 23
    Reported Oct 23
    		$0.67$0.63+6.35%Beat-35.6%
    Jun 23
    Reported Jul 24
    		$0.66$0.72-8.33%Miss-19.5%
    Mar 23
    Reported Apr 24
    		$0.65$0.87-25.29%Miss-24.4%
    Dec 22
    Reported Mar 24
    		$1.04$0.95+9.47%Beat-5.5%
    Sep 22
    Reported Oct 20
    		$1.04$0.96+8.33%Beat+11.8%
    Jun 22
    Reported Jul 25
    		$0.82$0.88-6.82%Miss+24.2%
    Mar 22
    Reported Apr 21
    		$0.86$0.79+8.86%Beat+7.5%
    Dec 21
    Reported Mar 25
    		$1.10$0.80+37.50%Beat+54.9%
    Sep 21
    Reported Oct 26
    		$0.93$0.65+43.08%Beat+31.0%
    Jun 21
    Reported Jul 28
    		$0.66$0.71-7.04%Miss+78.4%
    Mar 21
    Reported May 4
    		$0.80N/AN/ABeat+220.0%
    Dec 20
    Reported Feb 19
    		$0.71N/AN/ABeat+73.2%
    Sep 20
    Reported Nov 10
    		$0.71N/AN/ABeat+12.7%
    Jun 20
    Reported Aug 10
    		$0.37N/AN/ABeat+0.0%
    Mar 20
    Reported Apr 29
    		$0.25N/AN/ABeat-43.2%
    Dec 19
    Reported Mar 13
    		$0.41N/AN/ABeat+20.6%
    Sep 19
    Reported Oct 21
    		$0.63N/AN/ABeat+61.5%
    Jun 19
    Reported Jul 15
    		$0.37N/AN/ABeat-14.0%
    Mar 19
    Reported Apr 9
    		$0.44N/AN/ABeat+25.7%
    Dec 18
    Reported Mar 11
    		$0.34N/AN/ABeat+383.3%
    Sep 18
    Reported Nov 7
    		$0.39N/AN/ABeat+56.0%
    Jun 18
    Reported Aug 8
    		$0.43N/AN/ABeat+43.3%
    Mar 18
    Reported May 9
    		$0.35N/AN/ABeat+59.1%
    Dec 17
    Reported Mar 9
    		$-0.12N/AN/ABeat-154.4%
    Sep 17
    Reported Nov 13
    		$0.25N/AN/ABeat-
    Jun 17
    Reported Aug 8
    		$0.30N/AN/ABeat-
    Mar 17
    Reported May 9
    		$0.22N/AN/ABeat-
    Dec 16
    Reported Mar 8
    		$0.22N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield2.40%
    Forward Annual Dividend$1.04
    Payout Ratio26.78%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+15.31%
    5Y CAGR+12.09%
    FUNC dividend history and ex-dividend datesRun FUNC in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.05EV/EBITDA8.17x
    Price/FCF10.77xFCF Yield9.28%
    Profitability
    Profit Margin27.70%Operating Margin33.40%
    ROE12.40%ROIC8.03%
    Financial Health
    Debt/Equity0.47xInterest Coverage1.04x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.51Avg Volume38.79K
    52-Week High$46.1852-Week Low$32.90

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$43.62
    SMA 20$43.55
    SMA 50$43.88
    SMA 200$40.10
    EMA 10$43.62
    EMA 20$43.62
    EMA 50$43.57
    EMA 200$40.65

    MACD

    Line: -0.03Signal: -0.07Hist: 0.04

    ADX

    ADX: 18.7+DI: 19.0-DI: 13.3

    Aroon & PSAR

    Aroon Up56.0
    Aroon Down28.0
    PSAR$42.38

    Bollinger Bands

    Upper Band$44.35
    Lower Band$42.74
    %B Position370%(Upper)
    Band Width0.41

    RSI (14-Day)

    Neutral
    48.0

    Momentum Oscillators

    Stoch %K49.7
    Stoch %D47.3
    Williams %R-66.5
    ROC (10d)1.5%
    Momentum0.63
    CCI (20d)-18.9
    MFI (14d)45.7

    Volatility Measures

    ATR (14d)$1.26(2.9%)
    StdDev (20d)0.40
    Hist Vol20.4%(Moderate)

    Volume Flow

    VWAP$43.45
    OBV-133.5K
    AD Line-6.7M
    CMF (20d)0.129

    Volume Metrics

    Avg Vol (20d)40.1K
    Vol Ratio0.7x
    VWMA (20d)$43.66

    Pivot Points

    R3$46.53
    R2$45.65
    R1$44.87
    Pivot Point$43.98
    S1$43.20
    S2$42.32
    S3$41.54

    Advanced Oscillators

    TSI-1.00
    Ultimate Osc54.8
    KST-6.73

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$23.94M$23.41M$23.22M$22.74M$21.79M$20.93M$20.76M$20.28M$20.08M$18.69M$14.80M$18.88M
    Cost of RevenueN/A$8.52M$8.88M$8.83M$9.02M$8.70M$8.55M$8.28M$9.09M$9.03M$8.42M$7.40M
    Gross ProfitN/A$22.41M$20.64M$22.23M$20.93M$20.27M$20.23M$20.02M$18.85M$17.74M$14.41M$18.62M
    Operating Expenses$15.77M$13.69M$14.87M$12.99M$12.97M$12.58M$12.08M$12.31M$12.36M$12.88M$12.31M$12.79M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$8.84M$7.63M$9.24M$7.96M$7.70M$8.15M$7.70M$6.52M$4.86M$2.08M$5.83M
    Interest Income$26.17M$25.71M$26.15M$25.76M$24.87M$24.06M$23.73M$23.26M$23.11M$21.90M$22.19M$21.16M
    Interest Expense$7.58M$7.64M$8.17M$8.36M$8.16M$8.05M$8.03M$8.03M$7.88M$8.09M$8.00M$7.18M
    Income Before Tax$7.40M$8.84M$7.63M$9.24M$7.96M$7.70M$8.15M$7.70M$6.52M$4.86M$2.08M$5.83M
    Income Tax Expense$1.73M$2.18M$1.86M$2.29M$1.98M$1.89M$1.96M$1.93M$1.61M$1.16M$317,000$1.32M
    Net Income$5.67M$6.66M$5.78M$6.95M$5.98M$5.81M$6.19M$5.77M$4.91M$3.70M$1.76M$4.51M
    EBITDA$8.17M$9.60M$9.09M$9.36M$8.26M$8.51M$8.86M$9.05M$7.13M$6.00M$3.97M$6.88M
    EBIT$7.40M$8.84M$7.63M$9.29M$7.96M$7.70M$8.15M$7.72M$6.52M$4.86M$2.08M$5.88M
    * Some calculated fields are derived from available data when not provided by source

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    News

    First United stock has October 26 earnings date and 2.41 percent yield

    First United (FUNC) stock is expected to report its third-quarter results on October 26, 2026. The company's second-quarter revenue was USD 23.99 million...

    ad-hoc-news.de•10/15/26•Somewhat-Bullish

    (FUNC) Price Dynamics and Execution-Aware Positioning

    This article provides an AI-driven analysis for First United Corporation (NASDAQ: FUNC), identifying a neutral near- and mid-term outlook but a potentially strong long-term bias. It outlines institutional trading...

    Stock Traders Daily•10/11/26•Neutral

    Form 4 First United Corporation For: 8 October By Investing.com

    This article reports on a Form 4 filing for First United Corporation, dated October 8th. Form 4s disclose changes in beneficial ownership of securities by a company's directors, officers...

    Investing.com Nigeria•10/9/26•Neutral

    First United raised dividend to USD 0.28: First United stock yields 2.38 percent

    First United Corporation (FUNC) increased its quarterly cash dividend to USD 0.28 per share, up from USD 0.26, effective September 23...

    AD HOC NEWS•10/8/26•Bullish

    Form 4 First United Corporation For: 8 October By Investing.com

    This article reports on a Form 4 filing for First United Corporation (FUNC) on October 8, 2026. Form 4 filings are legally required disclosures of changes in beneficial ownership of securities by company insiders....

    Investing.com Nigeria•10/8/26•Neutral

    FUNC Valuation and Fair Value

    P/E
    10.0x
    Forward P/E
    5.3x
    EV/EBITDA
    8.2x
    P/FCF
    10.8x
    PEG
    0.3x
    P/B
    1.3x
    See GNG's fair value

    FUNC Profitability: Margins, ROIC and FCF

    Operating margin
    33.4%
    Net margin
    27.7%
    ROIC
    8.0%
    ROE
    12.4%
    FCF margin
    27.9%
    FCF yield
    9.3%

    FUNC Competitors

    CompanyTicker
    Oak Valley BancorpOVLY
    Bold Eagle Acquisition Corp. UnitsBEAGU
    Franklin Financial Services CorpFRAF
    First Guaranty Bancshares, Inc.FGBIP
    First Western Financial IncMYFW
    Hawthorn Bancshares IncHWBK
    Sprott Focus TrustFUND
    BRC Group Holdings, Inc.RILYP

    Sector: Financial Services

    FUNC Bull Case vs Bear Case

    Bull case

    • FUNC converts 27.9% of revenue into free cash flow.
    • FUNC has a 27.7% net profit margin.
    • FUNC beat EPS estimates in 100.0% of its last 8 reported quarters.

    FUNC Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    12.1%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.16
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 0 down

    FUNC Dividend

    Forward yield
    2.4%
    Payout ratio
    26.8%
    3Y DPS growth
    15.3%
    5Y DPS growth
    12.1%
    Pay months
    Feb, May, Aug, Nov
    FUNC dividend history

    Frequently Asked Questions About FUNC

    What is FUNC's current dividend yield?

    First United Corporation (FUNC) has a forward dividend yield of 2.40%.

    Does FUNC pay dividends?

    Yes, First United Corporation pays dividends with a forward dividend yield of 2.40%.

    What is FUNC's P/E ratio?

    First United Corporation has a price-to-earnings (P/E) ratio of 10.05.

    What is FUNC's market cap?

    First United Corporation (FUNC) has a market capitalization of $280.10M with a current stock price of $43.40.

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