VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener

First United Corporation (FUNC) Total Return Calculator with Dividends Reinvested

First United Corporation

Popular:

The total return for First United Corporation (FUNC) stock is +24.39% over the past 12 months. So far it's up 2.27% this year. The 5-year total return is +126.89%, meaning $10,000 invested in FUNC stock 5 years ago would be worth $22,689 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in FUNC 1 year ago, it would be worth $12,748 today — you'd have gained $2,748 with dividends reinvested.

With Dividends Reinvested$12,748+27.48%

Price Only (No DRIP)$12,401+24.01%

Dividend Boost+$3474 payments · +3.47% extra

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in FUNC

1Y$12,439+$2,439 (+24.4%)24.4% CAGR

3Y$30,188+$20,188 (+201.9%)44.5% CAGR

5Y$22,689+$12,689 (+126.9%)17.8% CAGR

10Y$38,223+$28,223 (+282.2%)14.3% CAGR

15Y$101,929+$91,929 (+919.3%)16.7% CAGR

20Y$19,656+$9,656 (+96.6%)3.4% CAGR

30Y$34,976+$24,976 (+249.8%)4.3% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-07-18	$0.22	$34.83	+0.006316
2025-10-17	$0.26	$34.02	+0.007691
2026-01-16	$0.26	$37.92	+0.006953
2026-04-17	$0.26	$37.62	+0.007056

Loading FUNC total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+2.27%	—	+0.86%	+1.40 pp	$10,227
1Y	+24.39%	24.39%	+21.15%	+3.24 pp	$12,439
3Y	+201.88%	44.53%	+181.84%	+20.05 pp	$30,188
5Y	+126.89%	17.81%	+105.27%	+21.62 pp	$22,689
10Y	+282.23%	14.35%	+233.93%	+48.30 pp	$38,223
15Y	+919.29%	16.74%	+790.48%	+128.81 pp	$101,929
20Y	+96.56%	3.44%	+60.86%	+35.70 pp	$19,656
30Y	+249.76%	4.26%	+150.33%	+99.43 pp	$34,976

Risk & Highlights

Best Year+110.88%2012

Worst Year-57.45%2009

Max Drawdown-14.47%2025-12-18 → 2026-02-23

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-3.64%	-4.34%	+0.7pp	+0.41%	-4.1pp
2025	+14.78%	+12.03%	+2.8pp	+16.64%	-1.9pp
2024	+45.08%	+41.64%	+3.4pp	+24.00%	+21.1pp
2023	+23.61%	+19.64%	+4.0pp	+24.81%	-1.2pp
2022	+5.52%	+2.40%	+3.1pp	-19.95%	+25.5pp

FUNC underperformed the S&P 500 by 4.05pp over the past year (+24.39% vs +28.44%).

Loading summary...

FUNC Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
FUNCFirst United Corporation	$243M	+0.1%	+2.3%	+24.4%	+3.2pp	+201.9%	+126.9%	+282.2%
CZWICitizens Community Bancorp, Inc.	$204M	+5.1%	+21.9%	+42.6%	+0.7pp	+150.3%	+71.4%	+156.3%
MNSBMainStreet Bancshares, Inc.	$175M	+3.1%	+18.9%	+25.6%	+2.6pp	+20.1%	+19.0%	+128.9%
NKSHNational Bankshares, Inc.	$232M	-0.4%	+10.5%	+45.3%	+5.8pp	+49.6%	+27.0%	+49.8%
BWFGBankwell Financial Group, Inc.	$415M	+4.3%	+15.9%	+56.3%	+2.4pp	+140.4%	+94.1%	+180.1%
FXNCFirst National Corporation	$246M	-1.2%	+11.8%	+43.1%	+3.3pp	+105.6%	+64.9%	+237.2%
CHMGChemung Financial Corporation	$324M	+23.6%	+24.2%	+48.7%	+2.9pp	+97.8%	+72.8%	+191.6%
CZFSCitizens Financial Services, Inc.	$303M	-1.4%	+14.3%	+15.3%	+3.5pp	-19.2%	+23.8%	+97.3%
FISFidelity National Information Services, Inc.	$24.1B	-0.1%	-28.3%	-38.4%	+2.1pp	-7.4%	-62.8%	-12.4%
JKHYJack Henry & Associates, Inc.	$10.8B	-5.5%	-15.9%	-11.9%	+1.4pp	+2.0%	+1.3%	+101.9%
FISVFiserv, Inc.	$30.6B	+1.7%	-12.7%	-69.1%	—	-52.4%	-50.9%	+15.4%

Compare:FUNC vs CZWI FUNC vs MNSB FUNC vs NKSH FUNC vs CZWI vs MNSB

About FUNC Dividend Returns

First United Corporation (FUNC) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of FUNC over the past year?

First United Corporation (FUNC) delivered a total return of 24.39% over the past year when dividends are reinvested. The price-only return was 21.15%, meaning dividends contributed an additional 3.24 percentage points to total returns.

Q2How much would $10,000 invested in FUNC be worth today?

A $10,000 investment in First United Corporation one year ago would be worth $12,439 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $12,115. Dividend reinvestment added $324 to the portfolio value.

Q3Does FUNC pay dividends?

Yes, First United Corporation (FUNC) pays dividends. In the last year, FUNC paid approximately $0.82 per share in dividends (2.20% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did FUNC beat the S&P 500?

No, First United Corporation (FUNC) underperformed the S&P 500 by 4.05 percentage points over the past year. FUNC delivered a total return of 24.39%, compared to the S&P 500's 28.44%. This means a passive S&P 500 index fund outperformed FUNC by 4.05pp during this period.

Q5What is FUNC's worst drawdown?

First United Corporation (FUNC) experienced a maximum drawdown of -14.47% over the past year, declining from its peak on 2025-12-18 to its trough on 2026-02-23. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is FUNC's long-term total return over 10, 20, or 30 years?

Here are First United Corporation (FUNC)'s long-term returns with dividends reinvested. Over 10 years, the total return is 282.2% (14.3% CAGR) — $10,000 would have grown to $38,223. Over 20 years: 96.6% total return (3.4% CAGR) — $10,000 → $19,656. Over 30 years: 249.8% total return (4.3% CAGR) — $10,000 → $34,976. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was FUNC's best and worst year?

First United Corporation's best calendar year was 2012 with a total return of 110.9%. Its worst year was 2009 with a total return of -57.4%. This range shows the volatility investors should expect — the difference between the best and worst year is 168.3 percentage points.