8-K Announcements
6Material company update
Apr 21, 2026·SEC
Material company update
Mar 12, 2026·SEC
Material company update
Mar 11, 2026·SEC
First United Corporation(FUNC)Earnings, Financials & Key Ratios
FUNC•NASDAQ•Banking & Credit
$37.40
$243M mkt cap·11.9× P/E·Price updated May 6, 2026
AboutFirst 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. The company offers various deposit products, including checking accounts, savings and money market accounts, regular and individual retirement accounts (IRA) certificates of deposit, Christmas savings accounts, college savings accounts, and health savings accounts; Certificate of Deposit Account Registry Service program and Insured Cash Sweep program to municipalities, businesses, and consumers; and commercial customers packages, which include treasury management, cash sweep, and various checking opportunities. It also provides loans, such as commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings; residential mortgage loans; home equity lines of credit; residential real estate construction loans; and indirect and direct auto loans, student loans, term loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers various trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts that consist of IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning services; insurance products; brokerage services; and safe deposit and night depository facilities. It operates 26 banking offices, one customer care center, and 34 automated teller machines in Allegany, Frederick, Garrett, and Washington counties in Maryland; and in Mineral, Berkeley, Monongalia, and Harrison counties in West Virginia. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.Show more
- Net Interest Income$60M+5.5%
- Total Revenue$112M+16.9%
- Net Income$21M+36.6%
- Return on Equity12.06%+25.6%
- Net Interest Margin3.04%+1.9%
- Efficiency Ratio44.4%-15.6%
- ROA1.06%+32.2%
- Equity / Assets9.09%+7.0%
- Book Value per Share27.42+13.5%
- Tangible BV/Share25.61+14.6%
- Debt/Equity1.05+7.3%
FUNC Key Insights
First United Corporation (FUNC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 44.4% efficiency ratio
- ✓Healthy dividend yield of 2.2%
- ✓Share count reduced 2.4% through buybacks
- ✓Trading at only 1.4x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FUNC Price & Volume
First United Corporation (FUNC) stock price & volume — 10-year historical chart
Loading chart...
FUNC Growth Metrics
First United Corporation (FUNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.35%
5 Years8.4%
3 Years12.46%
TTM-
Profit CAGR
10 Years13.9%
5 Years9.39%
3 Years1.33%
TTM54.41%
EPS CAGR
10 Years20.7%
5 Years11.23%
3 Years2.33%
TTM55.69%
Return on Capital
10 Years8.04%
5 Years10.4%
3 Years10.89%
Last Year8.52%
FUNC Recent Earnings
First United Corporation (FUNC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (90%)●Beat Revenue 7/12 qtrs (70%)
Q2 2026Latest
Apr 20, 2026EPS
$1.02
Est $0.92
+10.9%
Revenue
$23M
Est $23M
+2.0%
Q1 2026
Feb 4, 2026EPS
$1.10
Est $0.96
+14.6%
Revenue
$23M
Est $23M
+2.4%
Q4 2025
Oct 21, 2025EPS
$1.07
Est $0.89
+20.5%
Revenue
$22M
Est $22M
+1.6%
Q3 2025
Jul 21, 2025EPS
$0.92
Est $0.84
+9.5%
Revenue
$22M
Est $21M
+2.5%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $1.02vs $0.92+10.9% | $23Mvs $23M+2.0% |
| Q1 2026 | Feb 4, 2026 | $1.10vs $0.96+14.6% | $23Mvs $23M+2.4% |
| Q4 2025 | Oct 21, 2025 | $1.07vs $0.89+20.5% | $22Mvs $22M+1.6% |
| Q3 2025 | Jul 21, 2025 | $0.92vs $0.84+9.5% | $22Mvs $21M+2.5% |
Based on last 12 quarters of dataView full earnings history →
FUNC Peer Comparison
First United Corporation (FUNC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 203.55M | 21.14 | 14.48 | -9.41% | 16.01% | 7.81% | 5.1% | 0.28 |
 MNSB | 175.49M | 23.41 | 13.30 | -1.44% | 11.49% | 7.26% | 6.06% | 0.32 |
 NKSH | 232.19M | 36.46 | 14.64 | 7.88% | 18.55% | 9.04% | 6.53% | 0.01 |
 BWFG | 414.69M | 52.01 | 11.69 | 6.13% | 16.95% | 12.21% | 6.3% | 0.60 |
 FXNC | 246.46M | 27.26 | 13.91 | 27.11% | 15.78% | 9.98% | 8.52% | 0.23 |
 CHMG | 323.98M | 67.37 | 21.52 | -6.46% | 10.79% | 6.27% | 0.63% | 0.02 |
 CZFS | 303.29M | 63.09 | 8.28 | 2.75% | 21.11% | 11.36% | 11.62% | 0.92 |
 FIS | 24.14B | 46.61 | 62.15 | 5.43% | 3.51% | 2.75% | 10.17% | 0.29 |
Compare FUNC vs Peers
First United Corporation (FUNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FUNC Income Statement
First United Corporation (FUNC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 37.64M | 39.58M | 44.18M | 46.39M | 48.55M | 52.54M | 57.63M | 56.87M | 59.98M | 65.83M |
| NII Growth % | 5.66% | 5.15% | 11.63% | 5% | 4.65% | 8.23% | 9.69% | -1.32% | 5.47% | 50.49% |
| Net Interest Margin % | 2.86% | 2.95% | 3.19% | 3.21% | 2.8% | 3.04% | 3.12% | 2.98% | 3.04% | 3.25% |
| Interest Income | 45.86M | 46.95M | 52.29M | 57.92M | 58.2M | 58.26M | 62.42M | 81.16M | 91.99M | 98.42M |
| Interest Expense | 8.22M | 7.37M | 8.11M | 11.53M | 9.65M | 5.71M | 4.79M | 24.29M | 32.02M | 32.59M |
| Loan Loss Provision | 3.12M | 2.53M | 2.11M | 1.32M | 5.4M | -817K | -627K | 1.57M | 2.92M | 2.51M |
| Non-Interest Income | 14.66M | 14.34M | 15.24M | 16.79M | 18.72M | 20.36M | 18.02M | 14.45M | 19.81M | 20.35M |
| Non-Interest Income % | 24.22% | 23.39% | 22.57% | 22.47% | 24.33% | 25.9% | 22.4% | 15.12% | 17.72% | 17.13% |
| Total Revenue | 60.52M▲ 0% | 61.29M▲ 1.3% | 67.54M▲ 10.2% | 74.71M▲ 10.6% | 76.92M▲ 3.0% | 78.61M▲ 2.2% | 80.44M▲ 2.3% | 95.61M▲ 18.9% | 111.8M▲ 16.9% | 118.77M▲ 0% |
| Revenue Growth % | 1.77% | 1.26% | 10.2% | 10.62% | 2.96% | 2.21% | 2.32% | 18.86% | 16.94% | 51.26% |
| Non-Interest Expense | 39.12M | 39.17M | 43.88M | 45.39M | 44.07M | 47.41M | 43.1M | 50.27M | 49.64M | 50.62M |
| Efficiency Ratio | 64.63% | 63.91% | 64.98% | 60.76% | 57.3% | 60.3% | 53.58% | 52.58% | 44.4% | 42.62% |
| Operating Income | 10.06M▲ 0% | 12.21M▲ 21.4% | 13.43M▲ 10.0% | 16.46M▲ 22.6% | 17.79M▲ 8.0% | 26.31M▲ 47.9% | 33.18M▲ 26.1% | 19.48M▼ 41.3% | 27.23M▲ 39.8% | 33.05M▲ 0% |
| Operating Margin % | 16.63% | 19.93% | 19.89% | 22.04% | 23.13% | 33.47% | 41.25% | 20.37% | 24.36% | 27.82% |
| Operating Income Growth % | -48.29% | 21.36% | 9.96% | 22.59% | 8.04% | 47.9% | 26.12% | -41.3% | 39.81% | - |
| Pretax Income | 10.06M▲ 0% | 12.21M▲ 21.4% | 13.43M▲ 10.0% | 16.46M▲ 22.6% | 17.79M▲ 8.0% | 26.31M▲ 47.9% | 33.18M▲ 26.1% | 19.48M▼ 41.3% | 27.23M▲ 39.8% | 33.05M▲ 0% |
| Pretax Margin % | 16.63% | 19.93% | 19.89% | 22.04% | 23.13% | 33.47% | 41.25% | 20.37% | 24.36% | 27.82% |
| Income Tax | 2.78M | 6.95M | 2.76M | 3.34M | 3.95M | 6.54M | 8.13M | 4.42M | 6.66M | 8.12M |
| Effective Tax Rate % | 27.65% | 56.86% | 20.58% | 20.26% | 22.19% | 24.85% | 24.51% | 22.67% | 24.46% | 24.58% |
| Net Income | 7.28M▲ 0% | 5.27M▼ 27.6% | 10.67M▲ 102.4% | 13.13M▲ 23.1% | 13.84M▲ 5.4% | 19.77M▲ 42.8% | 25.05M▲ 26.7% | 15.06M▼ 39.9% | 20.57M▲ 36.6% | 24.92M▲ 0% |
| Net Margin % | 12.03% | 8.6% | 15.79% | 17.57% | 17.99% | 25.15% | 31.14% | 15.75% | 18.4% | 20.99% |
| Net Income Growth % | -43.95% | -27.63% | 102.45% | 23.08% | 5.42% | 42.84% | 26.7% | -39.88% | 36.58% | 54.41% |
| Net Income (Continuing) | 7.28M | 5.27M | 10.67M | 13.13M | 13.84M | 19.77M | 25.05M | 15.06M | 20.57M | 24.92M |
| EPS (Diluted) | 0.84▲ 0% | 0.58▼ 31.0% | 1.51▲ 160.3% | 1.85▲ 22.5% | 2.04▲ 10.3% | 2.94▲ 44.1% | 3.76▲ 27.9% | 2.25▼ 40.2% | 3.15▲ 40.0% | 3.83▲ 0% |
| EPS Growth % | -49.09% | -30.95% | 160.34% | 22.52% | 10.27% | 44.12% | 27.89% | -40.16% | 40% | 55.69% |
| EPS (Basic) | 0.84 | 0.58 | 1.51 | 1.85 | 2.04 | 2.95 | 3.77 | 2.25 | 3.15 | - |
| Diluted Shares Outstanding | 6.26M | 6.93M | 7.08M | 7.1M | 7.01M | 6.72M | 6.66M | 6.7M | 6.54M | 6.51M |
FUNC Balance Sheet
First United Corporation (FUNC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 203.31M | 230.22M | 161.18M | 181.28M | 376.32M | 402.49M | 200.2M | 146.92M | 149.94M | 511M |
| Cash & Due from Banks | 63.31M | 83.75M | 23.54M | 49.98M | 149.43M | 115.72M | 74.31M | 49.75M | 78.33M | 95.17M |
| Short Term Investments | 140M | 146.47M | 137.64M | 131.31M | 226.88M | 286.77M | 125.89M | 97.17M | 71.61M | 17.06M |
| Total Investments | 1.12B | 1.12B | 1.23B | 1.26B | 1.45B | 1.48B | 1.63B | 1.7B | 1.73B | 1.5B |
| Investments Growth % | -2.08% | 0.31% | 9.36% | 2.97% | 14.56% | 2.23% | 9.84% | 4.58% | 1.89% | -15.72% |
| Long-Term Investments | 979.18M | 976.18M | 1.09B | 1.13B | 1.22B | 1.19B | 1.5B | 1.6B | 1.66B | 6.3B |
| Accounts Receivables | 21.11M | 21.43M | 20.45M | 16.06M | 6.24M | 4.82M | 6.05M | 7.49M | 7.47M | 7.48M |
| Goodwill & Intangibles | 11M | 11M | 11M | 11M | 11M | 12.05M | 12.43M | 12.1M | 11.77M | 11.53M |
| Goodwill | 11M | 11M | 11M | 11M | 11M | 12.05M | 12.43M | 11M | 11M | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.1M | 769K | 11.53M |
| PP&E (Net) | 27.16M | 30.88M | 37.85M | 41.37M | 39.27M | 36.94M | 36.85M | 32.83M | 31.29M | 31.35M |
| Other Assets | 57.09M | 57.5M | 55.31M | 51.99M | 63.76M | 64.26M | 81.69M | 91.8M | 101.2M | 372.25M |
| Total Current Assets | 224.43M | 251.66M | 181.63M | 197.35M | 390M | 415.96M | 206.25M | 154.41M | 157.41M | 119.71M |
| Total Non-Current Assets | 1.09B | 1.08B | 1.2B | 1.24B | 1.34B | 1.31B | 1.64B | 1.75B | 1.82B | 1.9B |
| Total Assets | 1.32B▲ 0% | 1.34B▲ 1.7% | 1.38B▲ 3.3% | 1.44B▲ 4.2% | 1.73B▲ 20.1% | 1.73B▼ 0.2% | 1.85B▲ 6.8% | 1.91B▲ 3.1% | 1.97B▲ 3.5% | 2.02B▲ 0% |
| Asset Growth % | -0.4% | 1.72% | 3.26% | 4.22% | 20.13% | -0.21% | 6.84% | 3.12% | 3.52% | 20.08% |
| Return on Assets (ROA) | 0.55% | 0.4% | 0.78% | 0.93% | 0.87% | 1.14% | 1.4% | 0.8% | 1.06% | 1.23% |
| Accounts Payable | 22.53M | 18.92M | 19.89M | 20.23M | 16.74M | 15.79M | 151K | 612K | 489K | 661K |
| Total Debt | 167.74M | 169.77M | 178.64M | 152.9M | 153.05M | 91.39M | 97.87M | 157.9M | 187.72M | 117.29M |
| Net Debt | 104.43M | 86.02M | 155.09M | 102.92M | 3.62M | -24.33M | 23.55M | 108.15M | 109.39M | 22.11M |
| Long-Term Debt | 131.74M | 120.93M | 100.93M | 100.93M | 100.93M | 30.93M | 30.93M | 110.93M | 120.93M | 95.93M |
| Short-Term Debt | 36M | 48.84M | 77.71M | 48.73M | 49.16M | 57.7M | 64.56M | 45.42M | 65.41M | 20.21M |
| Other Liabilities | 0 | 0 | 19.89M | 20.23M | 10.21M | 11.39M | 26.58M | 33.78M | 29.75M | 28.02M |
| Total Current Liabilities | 1.07B | 1.11B | 1.15B | 1.19B | 1.49B | 1.54B | 1.64B | 1.6B | 1.64B | 1.7B |
| Total Non-Current Liabilities | 131.74M | 120.93M | 120.82M | 124.4M | 114.1M | 45.08M | 59.88M | 146.26M | 152.06M | 125.11M |
| Total Liabilities | 1.2B | 1.23B | 1.27B | 1.32B | 1.6B | 1.59B | 1.7B | 1.74B | 1.79B | 1.82B |
| Total Equity | 113.7M▲ 0% | 108.39M▼ 4.7% | 117.07M▲ 8.0% | 125.94M▲ 7.6% | 131.05M▲ 4.1% | 141.9M▲ 8.3% | 151.79M▲ 7.0% | 161.87M▲ 6.6% | 179.29M▲ 10.8% | 199.1M▲ 0% |
| Equity Growth % | -5.86% | -4.67% | 8% | 7.58% | 4.06% | 8.28% | 6.97% | 6.64% | 10.76% | 52.63% |
| Equity / Assets (Capital Ratio) | 8.63% | 8.08% | 8.46% | 8.73% | 7.56% | 8.2% | 8.21% | 8.49% | 9.09% | 9.84% |
| Return on Equity (ROE) | 6.21% | 4.75% | 9.46% | 10.81% | 10.77% | 14.49% | 17.06% | 9.6% | 12.06% | 12.52% |
| Book Value per Share | 18.15 | 15.64 | 16.54 | 17.74 | 18.69 | 21.13 | 22.79 | 24.16 | 27.42 | 30.60 |
| Tangible BV per Share | 16.39 | 14.05 | 14.98 | 16.19 | 17.12 | 19.33 | 20.92 | 22.35 | 25.61 | 28.83 |
| Common Stock | 63K | 71K | 71K | 71K | 70K | 66K | 67K | 66K | 65K | 65K |
| Additional Paid-in Capital | 22.18M | 31.55M | 31.92M | 32.36M | 30.15M | 23.66M | 24.41M | 23.73M | 20.48M | 21.29M |
| Retained Earnings | 92.92M | 101.36M | 109.48M | 119.48M | 129.69M | 145.49M | 166.34M | 173.9M | 189M | 203.2M |
| Accumulated OCI | -21.46M | -24.59M | -24.4M | -25.97M | -28.86M | -27.31M | -39.03M | -35.83M | -30.25M | -25.45M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 20M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FUNC Cash Flow Statement
First United Corporation (FUNC) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 11.49M | 12.92M | 18.29M | 16.39M | 16.17M | 20.02M | 26.54M | 22.47M | 22.28M | 22.28M |
| Operating CF Growth % | -48.23% | 12.45% | 41.55% | -10.41% | -1.35% | 23.82% | 32.58% | -15.34% | -0.84% | 36.48% |
| Net Income | 7.28M | 5.27M | 10.67M | 13.13M | 13.84M | 19.77M | 25.05M | 15.06M | 20.57M | 24.92M |
| Depreciation & Amortization | 1.69M | 1.9M | 2.44M | 3.39M | 3.55M | 3.43M | 3.65M | 4.92M | 3.79M | 3.11M |
| Deferred Taxes | 2.12M | 9.26M | 1.34M | 953K | 527K | 550K | 595K | -889K | -825K | -4.36M |
| Other Non-Cash Items | 1.29M | 632K | 1.42M | -2.25M | -278K | -2.87M | -3.19M | 1.56M | 24K | -766K |
| Working Capital Changes | -1.08M | -4.32M | 2.18M | 897K | -1.82M | -1.33M | -89K | 1.3M | -1.76M | -4.89M |
| Cash from Investing | 11.89M | -7.66M | -113.71M | -32.52M | -191.28M | -28.43M | -172.4M | -81.71M | -38.44M | -64.05M |
| Purchase of Investments | -65.67M | -44.78M | -10.57M | -47.51M | -205.74M | -134.14M | -73.34M | -3.99M | -11.22M | -32.56M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -64.67M | -43.78M | -9.57M | -46.51M | -204.74M | -133.14M | -72.34M | -2.99M | -10.22M | -28.56M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | -600K | 0 | 0 | 0 |
| Other Investing | -20.02M | -333K | -113.3M | -37.58M | -119.74M | 26.72M | -126.42M | -131.22M | -77.8M | -51.53M |
| Cash from Financing | -12.22M | 15.17M | 35.21M | 42.57M | 274.56M | -25.31M | 104.46M | 34.68M | 44.73M | 78.11M |
| Dividends Paid | -2.02M | -1.22M | -1.91M | -3.13M | -3.65M | -3.89M | -3.99M | -5.22M | -5.37M | -5.7M |
| Share Repurchases | -10M | 0 | 0 | 0 | -2.75M | -7.18M | 0 | -1.5M | -4.03M | -1K |
| Stock Issued | 0 | 9.19M | 119K | 170K | 198K | 215K | 217K | 293K | 290K | 301K |
| Net Stock Activity | -10M | 9.19M | 119K | 170K | -2.56M | -6.96M | 217K | -1.2M | -3.74M | 300K |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | 432K | -1000K | 1000K | 1000K | 1000K | 0 |
| Other Financing | 15.44M | 25.16M | 28.26M | 74.5M | 280.33M | 47.01M | 101.36M | -19.76M | 23.85M | 138.51M |
| Net Change in Cash | 11.17M▲ 0% | 20.44M▲ 83.0% | -60.21M▼ 394.5% | 26.44M▲ 143.9% | 99.45M▲ 276.2% | -33.71M▼ 133.9% | -41.41M▼ 22.8% | -24.56M▲ 40.7% | 28.57M▲ 216.3% | 32.78M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 52.14M | 63.31M | 83.75M | 23.54M | 49.98M | 149.43M | 115.72M | 74.31M | 49.75M | 79.11M |
| Cash at End | 63.31M | 83.75M | 23.54M | 49.98M | 149.43M | 115.72M | 74.31M | 49.75M | 78.33M | 95.17M |
| Interest Paid | 8.32M | 7.3M | 8.11M | 11.48M | 9.76M | 5.97M | 4.78M | 23.82M | 32.14M | 34.42M |
| Income Taxes Paid | 540K | 175K | 530K | 1.01M | 1.21M | 5.66M | 7.51M | 6.13M | 5.38M | 8.45M |
| Free Cash Flow | 7.57M▲ 0% | 6.36M▼ 15.9% | 8.81M▲ 38.5% | 12.42M▲ 40.9% | 14.56M▲ 17.3% | 18.89M▲ 29.7% | 22.97M▲ 21.6% | 22.12M▼ 3.7% | 20.36M▼ 8.0% | 16.45M▲ 0% |
| FCF Growth % | -63.66% | -15.93% | 38.47% | 40.93% | 17.3% | 29.72% | 21.56% | -3.7% | -7.95% | -2.38% |
FUNC Banking Ratios
First United Corporation (FUNC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.21% | 4.75% | 9.46% | 10.81% | 10.77% | 14.49% | 17.06% | 9.6% | 12.06% | 12.52% |
| Return on Assets (ROA) | 0.55% | 0.4% | 0.78% | 0.93% | 0.87% | 1.14% | 1.4% | 0.8% | 1.06% | 1.23% |
| Net Interest Margin | 2.86% | 2.95% | 3.19% | 3.21% | 2.8% | 3.04% | 3.12% | 2.98% | 3.04% | 3.25% |
| Efficiency Ratio | 64.63% | 63.91% | 64.98% | 60.76% | 57.3% | 60.3% | 53.58% | 52.58% | 44.4% | 42.62% |
| Equity / Assets | 8.63% | 8.08% | 8.46% | 8.73% | 7.56% | 8.2% | 8.21% | 8.49% | 9.09% | 9.84% |
| Book Value / Share | 18.15 | 15.64 | 16.54 | 17.74 | 18.69 | 21.13 | 22.79 | 24.16 | 27.42 | 30.6 |
| NII Growth | 5.66% | 5.15% | 11.63% | 5% | 4.65% | 8.23% | 9.69% | -1.32% | 5.47% | 12.58% |
| Dividend Payout | - | - | 17.92% | 23.8% | 26.34% | 19.68% | 15.91% | 34.64% | 26.12% | 22.87% |
FUNC SEC Filings & Documents
First United Corporation (FUNC) SEC filings — annual & quarterly reports (10-K, 10-Q)
FUNC Frequently Asked Questions
First United Corporation (FUNC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
First United Corporation (FUNC) grew revenue by 16.9% over the past year. This is strong growth.
Yes, First United Corporation (FUNC) is profitable, generating $24.9M in net income for fiscal year 2024 (18.4% net margin).
Dividend & Returns
Yes, First United Corporation (FUNC) pays a dividend with a yield of 2.20%. This makes it attractive for income-focused investors.
First United Corporation (FUNC) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.
Industry Metrics
First United Corporation (FUNC) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
First United Corporation (FUNC) has an efficiency ratio of 44.4%. This is excellent, indicating strong cost control.
Explore More FUNC
First United Corporation (FUNC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates