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FUNCFirst United Corporation
$42.76$276M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
FUNC logo

First United Corporation

FUNC
NASDAQ · Regional Banks
$42.76
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$276M
P/E11.3x
52W High$46.30
Volume27.07K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Operational Efficiency Gains Support Steady Earnings Growth

First United Corporation demonstrates a disciplined approach to scaling operations, evidenced by an efficiency ratio improvement from 54.0% in 2023Q4 to 43.9% in 2026Q1. While the bank has successfully grown net interest income to $18.1 million, investors shou...

GrowthAccelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsMixed
Explore valuation models
MARKET ACTION

FUNC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-28% Peers

P/E is 28% below peer median

03

Market leadership

RS 72 · Avg

Average momentum (RS Rating: 72)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 20

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
FUNC+17.42%
S&P 500 (^GSPC)+12.39%
1-Year Return
FUNC+16.03%
S&P 500 (^GSPC)+15.77%
3-Year Return
FUNC+180.74%
S&P 500 (^GSPC)+73.56%
5-Year Return
FUNC+155.10%
S&P 500 (^GSPC)+68.16%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
11.3x
Forward P/EExpansion
9.6x
EV/EBITDA60th %ile
7.3x
FCF YieldCash Flow
5.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.3x
9.9x
100th· High
EV/EBITDA
7.3x
6.4x
60th· Fair
Price/FCF
17.9x
7.1x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$86M+8.3% YoY
Net income
$25M+19.2% YoY
Free cash flow
$15M-24.3% YoY
Operating margin
27.3%+2.9 pts YoY
ROIC (TTM)7.1%
Avg ROIC 5Y-
ROE (TTM)12.8%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (90%)
Revenue Beat Rate7/12 (70%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 20, 2026
$1.13+7.6%
vs $1.05
$24M+1.5%
vs $24M
Q2 2026
Apr 20, 2026
$1.02+10.9%
vs $0.92
$23M+2.0%
vs $23M
Q1 2026
Feb 4, 2026
$1.10+14.6%
vs $0.96
$23M+2.4%
vs $23M
Q4 2025
Oct 21, 2025
$1.07+20.5%
vs $0.89
$22M+1.6%
vs $22M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·Sep 14, 2026
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?

Zacks Investment Research·Aug 28, 2026
First United Corporation (FUNC) is a Top Dividend Stock Right Now: Should You Buy?

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?

Zacks Investment Research·Aug 12, 2026
This is Why First United Corporation (FUNC) is a Great 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?

Zacks Investment Research·Jul 27, 2026
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?

Filtered for First United CorporationMore Headlines
04

Compare before deciding

Benchmark FUNC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for First United Corporation (FUNC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FUNC logoFUNCFirst United CorporationCurrent
$42.76$275.97M11.348.34%20.57%12.8%2.15%
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.23$204.74M14.54-9.39%14.64%6.77%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.80$176.51M14.0912.18%13.25%8%—
NKSH logoNKSHNational Bankshares, Inc.
$41.49$264.23M16.6622.5%44.94%10.92%—
BWFG logoBWFGBankwell Financial Group, Inc.
$65.46$521.92M14.7124.51%19.78%13.95%—
FXNC logoFXNCFirst National Corporation
$29.40$265.8M15.0033.46%18.47%11.57%—

Compare FUNC vs Peers

First United Corporation (FUNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for FUNC.

Scale Benchmark

vs NTRS

Larger-name benchmark to compare FUNC against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, MNSB, NKSH, BWFG

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

FUNC SEC Filings & Documents

First United Corporation (FUNC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 20, 2026·SEC

Material company update

Jun 22, 2026·SEC

Material company update

May 28, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 10, 2026·SEC

FY 2025

Mar 20, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 13, 2025·SEC

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FUNC Frequently Asked Questions

First United Corporation (FUNC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is First United Corporation growing?

First United Corporation (FUNC) grew revenue by 8.3% over the past year. This is steady growth.

Is FUNC profitable?

Yes, First United Corporation (FUNC) is profitable, generating $25.4M in net income for fiscal year 2025 (20.6% net margin).

Dividend & Returns
Does FUNC pay dividends?

Yes, First United Corporation (FUNC) pays a dividend with a yield of 2.15%. This makes it attractive for income-focused investors.

What is FUNC's return on equity?

First United Corporation (FUNC) has a return on equity (ROE) of 12.8%. This is reasonable for most industries.

Industry Metrics
What is First United Corporation's net interest margin?

First United Corporation (FUNC) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

What is First United Corporation's efficiency ratio?

First United Corporation (FUNC) has an efficiency ratio of 42.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FUNC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →