Receive $200 for creating an Interactive Brokers account using our link: Create IBKR account. Read our Interactive Brokers analysis

Ticker
FUNC

Price
39.34
Stock movement down
-0.23 (-0.58%)
Company name
First United Corporation
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
255.59M
Ent value
1.99B
Price/Sales
2.15
Price/Book
1.28
Div yield
2.64%
Div growth
12.09%
Growth years
15
FCF payout
34.64%
Trailing P/E
10.25
Forward P/E
9.37
PEG
-
EPS growth
11.24%
1 year return (CAGR)
19.21%
3 year return (CAGR)
-
5 year return (CAGR)
-
10 year return (CAGR)
-
Last updated: 2026-01-22

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

Loading...
Dividend yield data
Dividend per share1.04
Dividend yield2.64%
Payout frequencyQuarterly
Maximum yield3.40%
Average yield2.75%
Minimum yield2.11%
Discount to avg yield-3.99%
Upside potential-3.84%
Yield as % of max yield77.81%

Yield distribution (inverse percentile) - 5y

Loading...
Yield distribution data
Dividend yield2.64%
Current yield distribution69.57%
Yield at 100% (Min)2.11%
Yield at 90%2.48%
Yield at 80%2.57%
Yield at 50% (Median)2.77%
Yield at 20%2.92%
Yield at 10%2.98%
Yield at 0% (Max)3.40%

Dividend per share

Loading...
Dividend per share data
Years of growth15 years
CCC statusDividend Contender
Dividend per share1.04
Payout frequencyQuarterly
Ex-div date16 Jan 2026
EPS (TTM)3.83
EPS (1y forward)4.20
EPS growth (5y)11.24%
EPS growth (5y forward)-

Dividend growth

Loading...
Please create a free account or log in to access this chart
Dividend growth data
FUNCS&P500
DGR MR18.18%-13.74%
DGR TTM14.29%6.60%
DGR 3 years15.31%7.31%
DGR 5 years12.09%4.69%
DGR 10 years-6.30%
DGR 15 years13.93%8.16%
Time since last change announced132 days
EPS growth (5y)11.24%
EPS growth (5y forward)-

Payout ratio

Loading...
Please create a free account or log in to access this chart
Payout ratio data
EPS coverageFCF coverage
TTM22.87%34.64%
Average40.33%-
Forward24.76%-

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

Loading...
Valuation Ratios data
Trailing P/E10.25
Price to OCF13.65
Price to FCF15.53
Price to EBITDA7.07
EV to EBITDA54.91

Valuation (Sales/Book Value)

Loading...
Valuation (Sales/Book Value) data
Price to Sales2.15
Price to Book1.28
EV to Sales16.72

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

Loading...
Per share data
Current share count6.50M
EPS (TTM)3.83
FCF per share (TTM)2.53

Income statement

Loading...
Income statement data
Revenue (TTM)118.77M
Gross profit (TTM)83.66M
Operating income (TTM)33.05M
Net income (TTM)24.92M
EPS (TTM)3.83
EPS (1y forward)4.20

Margins

Loading...
Margins data
Gross margin (TTM)70.44%
Operating margin (TTM)27.82%
Profit margin (TTM)20.99%

Balance Sheet

Loading...
Please create a free account or log in to access this chart
Balance Sheet data
Cash95.17M
Net receivables7.48M
Total current assets119.71M
Goodwill0.00
Intangible assets7.48M
Property, plant and equipment31.35M
Total assets2.02B
Accounts payable661.00K
Short/Current long term debt117.29M
Total current liabilities1.70B
Total liabilities1.82B
Shareholder's equity199.10M
Net tangible assets0.00

Cash flow

Loading...
Please create a free account or log in to access this chart
Cash flow data
Operating cash flow (TTM)18.72M
Capital expenditures (TTM)2.27M
Free cash flow (TTM)16.45M
Dividends paid (TTM)5.70M

Financial returns

Loading...
Please create a free account or log in to access this chart
Financial returns data
Return on Equity12.52%
Return on Assets1.23%
Return on Invested Capital7.91%
Cash Return on Invested Capital5.22%

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

Loading...
Stock price data
Open39.83
Daily high39.95
Daily low38.97
Daily Volume14K
All-time high41.61
1y analyst estimate42.00
Beta0.53
EPS (TTM)3.83
Dividend per share1.04
Ex-div date16 Jan 2026
Next earnings date11 Feb 2026

Downside potential

Loading...
Downside potential data
FUNCS&P500
Current price drop from All-time high-5.46%-0.89%
Highest price drop-37.76%-19.00%
Date of highest drop7 Apr 20258 Apr 2025
Avg drop from high-14.05%-2.49%
Avg time to new high15 days6 days
Max time to new high238 days89 days

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
FUNC (First United Corporation) company logo
Marketcap
255.59M
Marketcap category
Small-cap
Description
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 various deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit; demand deposits; business and personal loans; lines of credit; commercial loans secured by real estate, commercial equipment, vehicles or other assets of the borrower; residential mortgages; real estate construction loans to builders and individuals for single family dwellings; and indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. It also provides brokerage; treasury management, cash sweep, and various checking opportunities; trust services, including personal trust, investment agency accounts, charitable trusts, and estate administration and estate planning, as well as retirement accounts including IRA roll-overs, 401(k) accounts, and defined benefit plans; and safe deposit and night depository facilities, and insurance products. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
Employees
291
Investor relations
-
SEC filings
CEO
Carissa Lynn Rodeheaver
Country
USA
City
Oakland
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
Loading...

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

UNDERSTAND THE BUSINESS
Loading...