FIRST UNITED CORP (FUNC)

What FIRST UNITED CORP does

First United Corporation is a bank holding company that owns and operates First United Bank & Trust, a community bank with 23 banking offices across Maryland and West Virginia counties. The Bank provides retail and commercial banking services including deposits (checking, savings, money market, CDs), consumer and commercial lending (mortgages, business loans, lines of credit), trust services, and brokerage services. The company also operates two consumer finance subsidiaries (OakFirst Loan Centers) focused on servicing existing loans and holds interests in low-income housing partnerships.

Fundamentals

• Price$43.90 as of 2026-07-09 close
• Market cap$282M as of 2026-07-10
• 1-year return+30.4% as of 2026-07-09 close
• P/E11.12 as of 2026-07-10
• Net margin+26.6% as of 2026-07-10
• ROE+12.7% as of 2026-07-10
• Debt / equity0.25 as of 2026-07-10
• Revenue growth (YoY)+27.4% as of 2026-07-10
• Revenue CAGR (3y)+4.5% SEC XBRL
• Beta0.52 as of 2026-07-10

Dividend: yield +2.4%; 5-year non-decreasing per-share dividend streak (SEC XBRL).

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Key risks (from latest filing)

["Commercial real estate concentration risk: The Bank's loan portfolio is heavily concentrated in commercial real estate loans, exposing it to economic downturns and declining property values in its limited geographic markets.","Geographic concentration risk: Operations are concentrated in Allegany, Frederick, and Garrett counties in Maryland plus select West Virginia counties, limiting diversification and making the bank vulnerable to local economic downturns.","Interest rate risk: Net interest income depends on the spread between interest earned on loans and investments and interest paid on deposits; rising deposit costs or falling loan yields could compress margins."]

See FUNC's biggest risks from its latest 10-Q →