FUNC
First United Corporation
Price Chart
Latest Quote
$42.85
+0.60 (+1.42%)
Current Price
| Previous Close | $42.25 |
| Open | $42.84 |
| Day High | $43.18 |
| Day Low | $42.42 |
| Volume | 6,049 |
Stock Information
| Quarterly Dividend / Yield | $1.04 / 2.46% |
| Shares Outstanding | 6.45M |
| Quarterly Dividend Yield | 2.46% |
| Quarterly Dividend | $1.04 |
| Total Debt | $51.61M |
| Cash Equivalents | $89.85M |
| Revenue | $88.20M |
| Net Income | $25.37M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $276.24M |
| P/E Ratio | 10.96 |
| EPS (TTM) | $3.91 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $234.14M |
| Sales | $88.20M |
| Income | $25.37M |
| Book/sh | $31.84 |
| Cash/sh | $13.94 |
| Employees | 315 |
Financial Ratios
| EPS Growth TTM | 14.80% |
Returns & Margins
| ROA | 1.26% |
| ROE | 13.05% |
| Operating Margin | 41.02% |
| Profit Margin | 28.77% |
Ownership
| Insider Ownership | 7.90% |
| Institutional Ownership | 48.19% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.11 |
| PEG | 0.33 |
| P/S | 3.13 |
| P/B | 1.35 |
Analyst Data
| Recommendation | none |
| Target Price | $44.25 |
Technical Indicators
| SMA20 | $40.43 |
| SMA50 | $38.69 |
| SMA200 | $37.22 |
| RSI | 72.87 |
| ATR | 1.1143 |
| Shares Float | 5.92M |
| Short Float | 0.88% |
| Short Ratio | 3.57 |
| Volatility | 0.53 |
| Rel Volume | 0.27 |
Performance History
| Week | +3.35% |
| Month | +14.11% |
| Quarter | +16.65% |
| 6 Months | +5.78% |
| YTD | +17.14% |
| Year | +55.27% |
| 3 Years | +210.54% |
| 5 Years | +166.66% |
| 10 Years | +443.96% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $42.85 | 6,049 |
| 2026-06-22 | $42.25 | 12,600 |
| 2026-06-18 | $42.58 | 62,100 |
| 2026-06-17 | $40.86 | 27,000 |
| 2026-06-16 | $41.35 | 15,400 |
| 2026-06-15 | $41.46 | 15,800 |
| 2026-06-12 | $41.87 | 25,700 |
| 2026-06-11 | $41.65 | 26,700 |
| 2026-06-10 | $41.64 | 34,000 |
| 2026-06-09 | $40.96 | 32,600 |
| 2026-06-08 | $40.27 | 31,200 |
| 2026-06-05 | $39.72 | 23,700 |
| 2026-06-04 | $39.72 | 9,400 |
| 2026-06-03 | $38.12 | 14,300 |
| 2026-06-02 | $39.04 | 8,400 |
| 2026-06-01 | $38.87 | 12,600 |
| 2026-05-29 | $39.54 | 12,600 |
| 2026-05-28 | $39.00 | 9,600 |
| 2026-05-27 | $38.76 | 41,000 |
| 2026-05-26 | $38.17 | 21,700 |
About First United Corporation
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 deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit (CD); and demand deposits. It also provides business and personal loans; commercial loans secured by real estate, commercial equipment, and vehicles or other assets of the borrower; residential mortgages; home equity lines of credit; real estate construction loans to builders and individuals for single-family dwellings; and consumer loans, including indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers brokerage; certificate of deposit account registry and IntraFi cash services; treasury management, cash sweep, and various checking opportunities; trust services, such as personal trust, investment agency accounts, charitable trusts, estate administration, and estate planning, as well as retirement accounts, including IRA rollovers, 401(k) accounts, and defined benefit plans; safe deposit and night depository facilities; and insurance products. Further, it provides online, mobile, and digital banking; debit and credit cards; business support; merchant services; remote deposit capture; positive pay; sweep and escrow accounts; check recovery and ordering; equipment loans; floorplan lending; mobile wallet and deposit; credit insights; personal finance; bill pay; CD and trust secured loans; boat and RV loans; and retirement planning services. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $88,866,000 | $79,789,000 | $71,323,000 | $75,650,000 |
| Operating Revenue | $88,866,000 | $79,789,000 | $71,323,000 | $75,650,000 |
| Expenses | ||||
| Interest Expense | $32,735,000 | $32,015,000 | $24,286,000 | $4,789,000 |
| Rent Expense Supplemental | $380,000 | $408,000 | $466,000 | $482,000 |
| Selling And Marketing Expense | $904,000 | $674,000 | $833,000 | $543,000 |
| General And Administrative Expense | $31,412,000 | $30,104,000 | $29,594,000 | $25,866,000 |
| Professional Expense And Contract Services Expense | $2,449,000 | $1,948,000 | $2,133,000 | $1,538,000 |
| Other Non Interest Expense | $13,563,000 | $11,361,000 | $11,085,000 | $8,113,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $24,515,000 | $20,569,000 | $15,060,000 | $25,048,000 |
| Net Interest Income | $68,113,000 | $59,978,000 | $56,870,000 | $57,633,000 |
| Interest Income | $100,848,000 | $91,993,000 | $81,156,000 | $62,422,000 |
| Normalized Income | $24,686,798 | $20,569,000 | $15,082,417 | $25,023,085 |
| Net Income From Continuing And Discontinued Operation | $24,515,000 | $20,569,000 | $15,060,000 | $25,048,000 |
| Net Income Common Stockholders | $24,515,000 | $20,569,000 | $15,060,000 | $25,048,000 |
| Net Income | $24,515,000 | $20,569,000 | $15,060,000 | $25,048,000 |
| Net Income Including Noncontrolling Interests | $24,515,000 | $20,569,000 | $15,060,000 | $25,048,000 |
| Net Income Continuous Operations | $24,515,000 | $20,569,000 | $15,060,000 | $25,048,000 |
| Pretax Income | $32,533,000 | $27,230,000 | $19,476,000 | $33,181,000 |
| Special Income Charges | $-228,000 | $0 | $-29,000 | $33,000 |
| Per Share | ||||
| Diluted EPS | $3.77 | $3.15 | $2.24 | $3.76 |
| Basic EPS | $3.78 | $3.15 | $2.25 | $3.77 |
| Other | ||||
| Tax Effect Of Unusual Items | $-56,202 | $0 | $-6,583 | $8,085 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-228,000 | $0 | $-29,000 | $33,000 |
| Total Unusual Items Excluding Goodwill | $-228,000 | $0 | $-29,000 | $33,000 |
| Reconciled Depreciation | $3,061,000 | $3,794,000 | $4,916,000 | $3,645,000 |
| Diluted Average Shares | $6,504,000 | $6,540,000 | $6,663,000 | $6,661,702 |
| Basic Average Shares | $6,490,000 | $6,527,000 | $6,649,000 | $6,644,032 |
| Diluted NI Availto Com Stockholders | $24,515,000 | $20,569,000 | $15,060,000 | $25,048,000 |
| Tax Provision | $8,018,000 | $6,661,000 | $4,416,000 | $8,133,000 |
| Other Special Charges | $228,000 | - | $29,000 | $-33,000 |
| Gain On Sale Of Security | $54,000 | $-14,000 | $-4,259,000 | $94,000 |
| Selling General And Administration | $32,316,000 | $30,778,000 | $30,427,000 | $26,409,000 |
| Insurance And Claims | $1,051,000 | $1,070,000 | $992,000 | $636,000 |
| Rent And Landing Fees | $380,000 | $408,000 | $466,000 | $482,000 |
| Salaries And Wages | $29,981,000 | $28,626,000 | $28,136,000 | $24,748,000 |
| Occupancy And Equipment | $5,077,000 | $5,553,000 | $6,598,000 | $7,069,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $192,190,000 | $167,522,000 | $149,770,000 | $139,360,000 |
| Total Assets | $2,087,453,000 | $1,973,022,000 | $1,905,860,000 | $1,848,169,000 |
| Goodwill And Other Intangible Assets | $11,444,000 | $11,773,000 | $12,103,000 | $12,433,000 |
| Receivables | $17,728,000 | $7,473,000 | $7,487,000 | $6,051,000 |
| Other Receivables | $9,824,000 | - | - | $8,244,000 |
| Accounts Receivable | $7,904,000 | $7,473,000 | $7,487,000 | $6,051,000 |
| Cash And Cash Equivalents | $131,612,000 | $78,327,000 | $49,753,000 | $74,315,000 |
| Cash Financial | $129,830,000 | $77,020,000 | $48,343,000 | $72,720,000 |
| Cash Cash Equivalents And Federal Funds Sold | $136,242,000 | $84,095,000 | $55,003,000 | $75,342,000 |
| Debt | ||||
| Total Debt | $97,109,000 | $172,313,000 | $112,485,000 | $33,302,000 |
| Long Term Debt And Capital Lease Obligation | $97,109,000 | $122,313,000 | $112,485,000 | $33,302,000 |
| Long Term Debt | $95,929,000 | $120,929,000 | $110,929,000 | $30,929,000 |
| Current Debt And Capital Lease Obligation | $0 | $50,000,000 | $0 | - |
| Current Debt | $0 | $50,000,000 | $0 | - |
| Other Current Borrowings | $0 | $50,000,000 | $0 | - |
| Net Debt | - | $92,602,000 | $61,176,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,883,819,000 | $1,793,727,000 | $1,743,987,000 | $1,696,376,000 |
| Payables And Accrued Expenses | $2,643,000 | $1,913,000 | $1,330,000 | $1,199,000 |
| Payables | $2,643,000 | $1,913,000 | $1,330,000 | $1,199,000 |
| Dividends Payable | $1,690,000 | $1,424,000 | $1,330,000 | $1,199,000 |
| Accounts Payable | $953,000 | $489,000 | $612,000 | $151,000 |
| Equity | ||||
| Common Stock Equity | $203,634,000 | $179,295,000 | $161,873,000 | $151,793,000 |
| Total Equity Gross Minority Interest | $203,634,000 | $179,295,000 | $161,873,000 | $151,793,000 |
| Stockholders Equity | $203,634,000 | $179,295,000 | $161,873,000 | $151,793,000 |
| Gains Losses Not Affecting Retained Earnings | $-25,266,000 | $-30,248,000 | $-35,827,000 | $-39,026,000 |
| Other Equity Adjustments | $-25,266,000 | $-30,248,000 | $-35,827,000 | $-39,026,000 |
| Retained Earnings | $207,284,000 | $189,002,000 | $173,900,000 | $166,343,000 |
| Other | ||||
| Ordinary Shares Number | $6,499,476 | $6,471,096 | $6,639,888 | $6,666,428 |
| Share Issued | $6,499,476 | $6,471,096 | $6,639,888 | $6,666,428 |
| Tangible Book Value | $192,190,000 | $167,522,000 | $149,770,000 | $139,360,000 |
| Invested Capital | $299,563,000 | $350,224,000 | $272,802,000 | $182,722,000 |
| Capital Lease Obligations | $1,180,000 | $1,384,000 | $1,556,000 | $2,373,000 |
| Total Capitalization | $299,563,000 | $300,224,000 | $272,802,000 | $182,722,000 |
| Additional Paid In Capital | $21,551,000 | $20,476,000 | $23,734,000 | $24,409,000 |
| Capital Stock | $65,000 | $65,000 | $66,000 | $67,000 |
| Common Stock | $65,000 | $65,000 | $66,000 | $67,000 |
| Employee Benefits | $9,008,000 | $8,335,000 | $9,777,000 | $7,194,000 |
| Non Current Pension And Other Postretirement Benefit Plans | $9,008,000 | $8,335,000 | $9,777,000 | $7,194,000 |
| Long Term Capital Lease Obligation | $1,180,000 | $1,384,000 | $1,556,000 | $2,373,000 |
| Long Term Provisions | $1,218,000 | $863,000 | $873,000 | $133,000 |
| Defined Pension Benefit | $20,798,000 | $17,824,000 | $11,208,000 | $8,001,000 |
| Investments And Advances | $23,434,000 | $37,191,000 | $311,466,000 | $361,548,000 |
| Held To Maturity Securities | $2,361,000 | $14,297,000 | $214,297,000 | $235,659,000 |
| Available For Sale Securities | $1,029,000 | $22,886,000 | - | - |
| Net PPE | $30,680,000 | $31,285,000 | $32,826,000 | $36,846,000 |
| Accumulated Depreciation | $-32,847,000 | $-34,301,000 | $-31,465,000 | $-30,442,000 |
| Gross PPE | $63,527,000 | $65,586,000 | $64,291,000 | $67,288,000 |
| Other Properties | $1,015,000 | $1,204,000 | $1,367,000 | $1,898,000 |
| Machinery Furniture Equipment | $17,924,000 | $18,846,000 | $18,873,000 | $20,117,000 |
| Buildings And Improvements | $35,269,000 | $34,922,000 | $34,922,000 | $35,972,000 |
| Land And Improvements | $9,319,000 | $10,614,000 | $9,129,000 | $9,301,000 |
| Other Short Term Investments | $20,044,000 | $22,894,000 | $97,169,000 | $125,889,000 |
| Goodwill | - | - | - | $12,433,000 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $15,405,000 | $20,358,000 | $22,117,000 | $22,967,000 |
| Operating Activities | ||||
| Operating Cash Flow | $19,374,000 | $22,281,000 | $22,470,000 | $26,543,000 |
| Cash Flow From Continuing Operating Activities | $19,374,000 | $22,281,000 | $22,470,000 | $26,543,000 |
| Operating Gains Losses | $-402,000 | $-414,000 | $3,862,000 | $-172,000 |
| Investing Activities | ||||
| Capital Expenditure | $-3,969,000 | $-1,923,000 | $-353,000 | $-3,576,000 |
| Investing Cash Flow | $-48,009,000 | $-38,435,000 | $-81,709,000 | $-172,404,000 |
| Cash Flow From Continuing Investing Activities | $-48,009,000 | $-38,435,000 | $-81,709,000 | $-172,404,000 |
| Net Other Investing Changes | $1,750,000 | $1,308,000 | $-3,182,000 | $2,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-4,032,000 | $-1,496,000 | $0 |
| Issuance Of Capital Stock | $315,000 | $290,000 | $293,000 | $217,000 |
| Financing Cash Flow | $81,920,000 | $44,728,000 | $34,677,000 | $104,456,000 |
| Cash Flow From Continuing Financing Activities | $81,920,000 | $44,728,000 | $34,677,000 | $104,456,000 |
| Cash Dividends Paid | $-5,967,000 | $-5,373,000 | $-5,217,000 | $-3,986,000 |
| Common Stock Dividend Paid | $-5,967,000 | $-5,373,000 | $-5,217,000 | $-3,986,000 |
| Net Common Stock Issuance | $315,000 | $-3,742,000 | $-1,203,000 | $217,000 |
| Common Stock Issuance | $315,000 | $290,000 | $293,000 | $217,000 |
| Other | ||||
| Repayment Of Debt | $-25,000,000 | $-80,000,000 | $0 | $0 |
| Issuance Of Debt | $0 | $90,000,000 | $80,000,000 | $0 |
| Interest Paid Supplemental Data | $34,177,000 | $32,138,000 | $23,825,000 | $4,775,000 |
| Income Tax Paid Supplemental Data | $8,483,000 | $5,383,000 | $6,126,000 | $7,508,000 |
| End Cash Position | $131,612,000 | $78,327,000 | $49,753,000 | $74,315,000 |
| Beginning Cash Position | $78,327,000 | $49,753,000 | $74,315,000 | $115,720,000 |
| Changes In Cash | $53,285,000 | $28,574,000 | $-24,562,000 | $-41,405,000 |
| Common Stock Payments | $0 | $-4,032,000 | $-1,496,000 | $0 |
| Net Issuance Payments Of Debt | $-72,748,000 | $29,991,000 | $60,853,000 | $6,866,000 |
| Net Short Term Debt Issuance | $-47,748,000 | $19,991,000 | $-19,147,000 | $6,866,000 |
| Net Long Term Debt Issuance | $-25,000,000 | $10,000,000 | $80,000,000 | $0 |
| Long Term Debt Payments | $-25,000,000 | $-80,000,000 | $0 | $0 |
| Long Term Debt Issuance | $0 | $90,000,000 | $80,000,000 | $0 |
| Net Investment Purchase And Sale | $-3,808,000 | $41,286,000 | $49,868,000 | $-41,804,000 |
| Sale Of Investment | $21,828,000 | $52,510,000 | $53,856,000 | $31,534,000 |
| Purchase Of Investment | $-25,636,000 | $-11,224,000 | $-3,988,000 | $-73,338,000 |
| Net PPE Purchase And Sale | $-3,969,000 | $-1,923,000 | $-339,000 | $-3,295,000 |
| Purchase Of PPE | $-3,969,000 | $-1,923,000 | $-353,000 | $-3,576,000 |
| Change In Working Capital | $-10,983,000 | $-1,764,000 | $1,300,000 | $-89,000 |
| Change In Payables And Accrued Expense | $1,883,000 | $-4,317,000 | $6,232,000 | $-737,000 |
| Change In Payable | $1,883,000 | $-4,317,000 | $6,232,000 | $-737,000 |
| Change In Account Payable | $1,883,000 | $-4,317,000 | $6,232,000 | $-737,000 |
| Change In Receivables | $-12,866,000 | $2,553,000 | $-4,932,000 | $648,000 |
| Changes In Account Receivables | $-12,866,000 | $2,553,000 | $-4,932,000 | $648,000 |
| Other Non Cash Items | $-481,000 | $-1,627,000 | $-2,995,000 | $-1,472,000 |
| Stock Based Compensation | $760,000 | $483,000 | $527,000 | $532,000 |
| Asset Impairment Charge | $1,676,000 | $0 | $23,000 | $0 |
| Deferred Tax | $-576,000 | $-825,000 | $-889,000 | $595,000 |
| Deferred Income Tax | $-576,000 | $-825,000 | $-889,000 | $595,000 |
| Depreciation Amortization Depletion | $3,061,000 | $3,794,000 | $4,916,000 | $3,645,000 |
| Depreciation And Amortization | $3,061,000 | $3,794,000 | $4,916,000 | $3,645,000 |
| Amortization Cash Flow | $329,000 | $330,000 | $330,000 | $219,000 |
| Amortization Of Intangibles | $329,000 | $330,000 | $330,000 | $219,000 |
| Depreciation | $2,732,000 | $3,464,000 | $4,586,000 | $3,426,000 |
| Gain Loss On Investment Securities | $-97,000 | $0 | $4,214,000 | $-94,000 |
| Gain Loss On Sale Of PPE | $228,000 | $0 | $29,000 | $-33,000 |
| Net Income From Continuing Operations | $24,515,000 | $20,569,000 | $15,060,000 | $25,048,000 |
| Sale Of PPE | - | $0 | $14,000 | $281,000 |
| Net Investment Properties Purchase And Sale | - | - | $1,041,000 | $0 |
| Sale Of Investment Properties | - | - | $1,041,000 | $0 |
| Net Business Purchase And Sale | - | - | $0 | $-600,000 |
| Purchase Of Business | - | - | $0 | $-600,000 |
| Earnings Losses From Equity Investments | - | - | - | - |
Fetched: 2026-06-18