FIRST UNITED CORP (FUNC)
Financials · Regional Banking · NASDAQ
First United Corporation is a Maryland-based community bank holding company serving individuals and businesses through retail and commercial banking, wealth management, and trust services.
What FIRST UNITED CORP does
First United Corporation is a bank holding company that operates as the parent of First United Bank & Trust, a community bank providing retail and commercial banking services in Maryland and West Virginia. The bank offers a range of financial products including checking and savings accounts, mortgage and commercial loans, brokerage services, and trust department services. It operates through 23 banking offices and provides additional consumer finance services through its OakFirst Loan Center subsidiaries.
Themes: community banking, wealth management, commercial lending, retail banking
Fundamentals
- Price$43.40 as of 2026-08-24 close
- Market cap$280M as of 2026-08-24
- 1-year return+18.4% 2025-08-22 close $36.65 → 2026-08-24 close $43.40
- P/E11.13 as of 2026-08-24
- Net margin+26.6% as of 2026-08-24
- ROE+12.7% as of 2026-08-24
- Debt / equity0.25 as of 2026-08-24
- Revenue growth (YoY)+27.4% as of 2026-08-24
- Revenue CAGR (3y)+4.5% SEC XBRL
- Beta0.79 as of 2026-08-24
- Last reported earnings2026-07-20 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.4%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How FUNC compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, FUNC's dividend was covered by reported results (earnings payout 24%, free-cash-flow payout 39%). This describes past coverage, not a forecast.
- Earnings payout24% dividends / net income
- Free-cash-flow payout39% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How FIRST UNITED CORP looks technically
FIRST UNITED CORP (FUNC) is trading 10.7% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 248 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 44, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 6 trading days ago (its momentum flipped negative). It made a new 20-day low about 2 trading days ago. Trading volume is unusually light — only about 43% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 10.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +10.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $44.20 | $44.20 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $39.21 | $39.21 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 11 calendar days ago — the swings before that are what the structure reading is measured on | 11 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 46.18. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 248 trading days ago — a "golden cross", a bullish long-term signal | 248 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend) | 20.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 44, neither overbought (above 70) nor oversold (below 30) | 43.6 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($42.17 to $46.18) — its "stochastic" reading is 31 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 30.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 6 trading days ago (its momentum flipped negative) | 6 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $46.30 | $46.30 |
|---|---|---|
| From the 52-week high | it is 6.3% below its 52-week high (its highest price of the past year) | -6.3% |
| Above the 52-week low | it is 29.4% above its 52-week low (its lowest price of the past year) | +29.4% |
| Below the 52-week high | it is 6.3% below its highest point of the past year | 6.3% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day high about 38 trading days ago | 38 sessions |
| All-time high | its highest closing price on record is $46.30 (set on 2026-07-01) | $46.30 |
| Given back of the 52-week move | over the past year its closes ranged ($34.02 to $46.18), and it has given back roughly a quarter of its rise from last year’s low — 23% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $38.28 to $38.67. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 22.9% |
| From the all-time high | it is 6.3% below its all-time high | -6.3% |
| Nearest price level | it is trading 0.6% above a support level at $43.16 — a price it turned at twice since 2026-07-23, most recently on 2026-07-31. Since 2024-08-26 it has 14 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.6% |
| All-time low | its lowest closing price on record is $2.76 (set on 2011-03-15) | $2.76 |
| Above the all-time low | it is 1472.5% above its all-time low | +1,472% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 56th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.11 between its high and its low — about 2.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.11 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $42.95 and $46.32 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $42.95 – $44.64 – $46.32 |
| Typical daily range (% of price) | its price moves about 2.6% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.6% |
| Stretch from the 200-day average | it is trading 3.8 daily ranges above its 200-day average price (10.7% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 43% of its 30-day average | 0.43× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 4 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 4 sessions ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
3
| Gap at the open | it opened on 2026-08-24 1.7% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -1.7% |
|---|---|---|
| Open gap | it gapped 4.1% above the previous close 49 sessions ago and has not traded back through the level it left behind at 40.27 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +4.1% |
| Gap filled | a 2.2% gap down opened on 2026-08-07 has been "filled" 9 sessions ago — price traded back through the level the gap left behind, and it took 2 sessions to close | 9 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 5.9 percentage points (the stock lost 2.6% while the market gained 3.3%) | -6.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 14.4 percentage points (the stock gained 16.8% while the market gained 2.4%) | +14.4% |
| vs market, 6 months | over the past 6 months this stock beat the market by 10.1 percentage points (the stock gained 21.1% while the market gained 11.1%) | +10.1% |
| vs market, 12 months | over the past 12 months this stock beat the market by 0.1 percentage points (the stock gained 18.4% while the market gained 18.3%) | +0.1% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.0% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-17 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 4.3% of the share price. | +0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 7% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $40.62 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +6.8% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-20 (its 8-K), so the typical buyer over that stretch is under water. That average is $44.57 — a volume-weighted average of daily closes over 26 sessions, not a true tick-by-tick VWAP. | -2.6% |
Price levels it has turned at before
FUNC last closed at $43.40 on 2026-08-24. Since 2024-08-26 it has turned at 14 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $43.16 | Support | 0.6% below the last close | turned there twice · 2026-07-23 to 2026-07-31 |
| $42.10 | Support | 3.0% below the last close | turned there three times · 2025-02-11 to 2026-07-08 |
| $46.14 | Resistance | 6.3% above the last close | turned there four times · 2026-07-01 to 2026-08-13 |
| $40.48 | Support | 6.7% below the last close | turned there twice · 2026-01-15 to 2026-02-06 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $46.18.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 7 trading days, since 2026-08-14.
Read from daily closes as of 2026-08-24.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · beating the market · Printed a bullish engulfing pair · Under water since its last earnings report (below the anchored VWAP) · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · volume and relative volume
Based on daily closing prices as of 2026-08-24. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.50 mean, 1=Strong Buy…5=Strong Sell) — 2 analysts
- Mean price target$50.00 range $50.00 – $50.00
Analyst estimates, as of 2026-08-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FUNC
- Consensus EPS estimate$1.16 next reporting period, as of 2026-08-21
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Exposure to local economic and real estate market downturns affecting commercial loan repayment.","Dependence on borrower financial stability for residential mortgage performance.","Interest rate risk impacting net interest income and asset valuations."]
What changed in the latest 10-Q
AI-assisted comparison of FUNC's 10-Q filed 2026-05-08 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing references audited consolidated financial statements for year ended December 31, 2025 (vs. December 31, 2024 in older filing)
- Newer filing describes First United Corporation as 'a bank holding company registered with the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended, that elected financial holding company status in 2021' (older filing states 'a financial holding company registered')
- Newer filing reports total assets of $2.0 billion at March 31, 2026; net loans of $1.5 billion; deposits of $1.8 billion; shareholders' equity of $205.3 million at March 31, 2026
- Newer filing reports consolidated net income of $6.7 million for Q1 2026 ($1.03 per diluted share) vs. $5.8 million for Q1 2025 ($0.89 per diluted share)
- Newer filing includes Non-GAAP net income of $6.6 million for Q1 2026 ($1.02 per diluted share) and Q4 2025 comparison ($7.2 million, $1.10 per diluted share)
- Newer filing reports Return on Average Assets of 1.29% and Return on Average Equity of 13.06% for quarter ended March 31, 2026
- Newer filing describes repayment of $25.0 million brokered certificate of deposit in January 2026 and $65.0 million in FHLB borrowings in March 2026
- Newer filing mentions one-time death benefit received in Q1 2026 from bank owned life insurance
- Newer filing includes detailed table with Non-GAAP and GAAP net interest income figures for three-month periods ended March 31, 2026 and 2025
- Removed:
- Older filing reported total assets of $2.0 billion at September 30, 2025; net loans of $1.5 billion; deposits of $1.7 billion; shareholders' equity of $199.1 million at September 30, 2025
- Older filing reported consolidated net income of $6.9 million for Q3 2025 ($1.07 per share) and nine-month 2025 net income of $18.7 million
- Older filing included Q3 2025 year-over-year comparison to Q3 2024 and nine-month 2025 comparison to nine-month 2024
- Older filing described repayment of $40.0 million in BTFP balances in September 2024
- Older filing mentioned branch closure details (four branches early in 2024) and related depreciation expense reductions
- Older filing included discussion of investment sale transaction gains and wealth management income increases
- Reworded:
- Older filing describes First United Corporation as 'a financial holding company' whereas newer filing describes it as 'a bank holding company registered with the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended' (clarification/change in regulatory characterization)
- Newer filing's Results of Operations Overview focuses on Q1 2026 vs. Q1 2025 comparison, whereas older filing focused on Q3 2025 vs. Q3 2024 and nine-month comparisons
- Notes:
- Older filing text appears truncated at end of 'Other operating income' section; comparison limited to complete sections only
- The two filings report different fiscal periods (Q1 2026 vs. Q3 2025 and historical comparisons), making some comparisons reflect period differences rather than changes in disclosure approach
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
5 open-market purchases and 3 open-market sales by insiders in the last 90 days.
- Last 30 days5 buys ($12801) · 1 sell ($237773) — 4 buying, 1 selling insiders
- Last 90 days5 buys ($12801) · 3 sells ($500750) — 4 buying, 3 selling insiders
- Last 180 days10 buys ($25154) · 3 sells ($500750) — 4 buying, 3 selling insiders
Cluster buying: 4 different insiders reported open-market purchases (SEC code P) of FUNC within a 30-day window between 2026-08-03 and 2026-08-03. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-03. As of 2026-08-25.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FUNC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding FUNC as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 605,750
- Reported value $22,194,662
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
FUNC had 81,822 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
FUNC had 1.27% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.58 days to cover at the same settlement.
- Reported short interest (shares) 81,822
- Short interest (% of shares outstanding) 1.27%
- Prior settlement (shares) 92,370
- Reported change -11.42%
- Days to cover (reported) 2.58
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- FNB Corporation (FNB)
- M&T Bank (MTB)
- PNC Financial Services Group (PNC)
- Truist Financial (TFC)
- WesBanco (WSBC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does FIRST UNITED CORP (FUNC) do?
First United Corporation is a bank holding company that operates as the parent of First United Bank & Trust, a community bank providing retail and commercial banking services in Maryland and West Virginia. The bank offers a range of financial products including checking and savings accounts, mortgage and commercial loans, brokerage services, and trust department services.
What sector is FIRST UNITED CORP (FUNC) in?
FIRST UNITED CORP (FUNC) is classified in the Financials sector. Its industry is Regional Banking. It trades on NASDAQ.
Does FUNC pay a dividend?
Yes — FIRST UNITED CORP (FUNC) pays a dividend, with an indicated yield of about 4.37% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are FIRST UNITED CORP's (FUNC) competitors?
Notable peers of FIRST UNITED CORP (FUNC) include FNB Corporation, M&T Bank, PNC Financial Services Group, Truist Financial and WesBanco. This peer set is informational only — not financial advice.
Is FIRST UNITED CORP (FUNC) overbought or oversold right now?
FIRST UNITED CORP (FUNC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 44, in the neutral middle (as of 2026-08-24). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FUNC come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-24.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.