FIRST UNITED CORP (FUNC)
Financials · regional banks · NASDAQ
A community bank holding company serving Western Maryland and West Virginia, providing integrated banking, wealth management, and trust services.
What FIRST UNITED CORP does
First United Corporation is a financial holding company operating as the parent of First United Bank & Trust, an independent community bank. It provides retail and commercial banking services, including deposit accounts, residential and commercial loans, wealth management, and trust services, primarily across Western Maryland and Northeastern West Virginia.
Recent developments
In Q2 2026, the company incurred a one-time $1.7 million net-of-tax consulting expense related to core processing system contract negotiations. Additionally, the company is actively executing a stock repurchase program authorized through July 2027.
From FIRST UNITED CORP's filing of 2026-08-06.
Themes: community banking, wealth management / trust services, commercial lending, residential mortgage lending
Fundamentals
- Price$43.50 as of 2026-10-08 close
- Market cap$281M as of 2026-07-31 (share count; price 2026-10-08)
- 1-year return+19.3% 2025-10-08 close $36.46 → 2026-10-08 close $43.50
- P/E11.15 as of 2026-10-08
- Net margin+133.0% FY2025, SEC XBRL
- ROE+12.0% FY2025, SEC XBRL
- Debt / equity0.25 as of 2026-09-03
- Revenue growth (YoY)+27.4% as of 2026-09-03
- Revenue CAGR (3y)+4.5% SEC XBRL
- Beta0.78 as of 2026-09-03
- Last reported earnings2026-07-20 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.3%; at least 8 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 2026-10-08
- net profit margintop 25% 344 covered Financials peers, as of 2026-09-03
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 430 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 8.1% 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 280 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day low about 27 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 3% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 8.1% above its 200-day average, the long-term trend line — a longer-term uptrend | +8.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $43.93 | $43.93 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $40.23 | $40.23 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 42.34. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 280 trading days ago — a "golden cross", a bullish long-term signal | 280 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend) | 19.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30) | 48.9 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($42.12 to $45.51) — its "stochastic" reading is 41 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 slipping within that range over the last few sessions. | 40.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive) | 3 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 6.0% below its 52-week high (its highest price of the past year) | -6.0% |
| Above the 52-week low | it is 29.7% above its 52-week low (its lowest price of the past year) | +29.7% |
| Below the 52-week high | it is 6.0% below its highest point of the past year | 6.0% |
| Since a 20-day breakout | it made a new 20-day low about 27 trading days ago | 27 sessions |
| Since a 55-day breakout | it is trading within its recent 55-day range, with no fresh breakout up or down | 0 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 — 22% 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. | 22.0% |
| From the all-time high | it is 6.0% below its all-time high | -6.0% |
| Nearest price level | it is trading 2.0% below a resistance level at $44.37 — a price it turned at twice since 2026-08-10, most recently on 2026-09-02. Since 2024-10-08 it has 13 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +2.0% |
| 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 1476.1% above its all-time low | +1,476% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 3% of the past ~6 months), which often precedes a bigger move | 3rd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.21 between its high and its low — about 2.8% 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 | $1.21 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $42.63 and $44.68 — 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 | $42.63 – $43.66 – $44.68 |
| Typical daily range (% of price) | its price moves about 2.8% 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 | 2.8% |
| Stretch from the 200-day average | it is trading 2.7 daily ranges above its 200-day average price (8.1% 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 | 2.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.43× |
|---|
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 | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 1 session 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 | 1 session ago |
|---|---|---|
| Since a bullish engulfing | 5 sessions ago 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 | 5 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 1.0% 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 | -1.0% |
|---|---|---|
| Gap filled | a 3.8% gap up opened on 2026-09-02 has been "filled" 14 sessions ago — price traded back through the level the gap left behind, and it took 11 sessions to close | 14 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 0.8 percentage points (the stock gained 0.3% while the market gained 1.0%) | -0.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 3.7 percentage points (the stock gained 0.1% while the market gained 3.8%) | -3.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 1.1 percentage points (the stock gained 16.4% while the market gained 17.5%) | -1.1% |
| vs market, 12 months | over the past 12 months this stock beat the market by 4.3 percentage points (the stock gained 19.3% while the market gained 15.0%) | +4.3% |
Signal agreement
2
| Bullish technical signals | 3 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, MACD momentum is positive — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: lagging the market over 6 months — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is thin, spanning 1.1% of the share price, which is taken to mean a barrier that gives way easily. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 5% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $41.34 — a volume-weighted average of daily closes over 189 sessions, not a true tick-by-tick VWAP. | +5.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% 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 $44.03 — a volume-weighted average of daily closes over 58 sessions, not a true tick-by-tick VWAP. | -1.2% |
Double top, bearish — forming · entry $42.16 · 39 sessions in
Price levels it has turned at before
FUNC last closed at $43.50 on 2026-10-08. Since 2024-10-08 it has turned at 13 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $44.37 | Resistance | 2.0% above the last close | turned there twice · 2026-08-10 to 2026-09-02 |
| $42.62 | Support | 2.0% below the last close | turned there four times · 2025-02-11 to 2026-10-01 |
| $41.71 | Support | 4.1% below the last close | turned there four times · 2025-12-19 to 2026-09-18 |
| $45.89 | Resistance | 5.5% above the last close | turned there six times · 2026-07-01 to 2026-09-29 |
| $40.48 | Support | 7.0% 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 five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $42.34.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $46.25 and $48.67 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $42.34.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
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 · MACD just crossed bullish (12/26/9) · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · Trading inside the Ichimoku cloud · Elliott wave 3 candidates | Learn: moving average · golden cross · adx · rsi · macd · breakout · bollinger bands
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$50.00 range $50.00 – $50.00
Analyst estimates, as of 2026-10-09. 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 2026-10-09
- Estimate change, 30 days$0.00 (0.0%) from $1.16, on 2026-09-04, 35-day window
- Readings revised upward11% of 9 comparable readings
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 economy and real estate market conditions in its specific geographic footprint.","Credit risk associated with loan portfolios and the potential impact of borrower financial instability.","Operational risks related to technology infrastructure and third-party vendor dependencies."]
What changed in the latest 10-Q
AI-assisted comparison of FUNC's 10-Q filed 2026-08-06 against the prior one filed 2026-05-08.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-06) adds balance sheet figures as of June 30, 2026: total assets $2.1 billion, net loans $1.6 billion, deposits $1.7 billion, and shareholders' equity $212.4 million.
- Newer filing (2026-08-06) adds a discussion of consolidated net income for the second quarter of 2026 compared to the second quarter of 2025, including a $0.3 million decrease driven by a one-time $1.7 million net-of-tax consulting expense related to core processing system contract negotiations.
- Newer filing (2026-08-06) adds six-month results for the period ended June 30, 2026: GAAP net income of $12.3 million, non-GAAP net income of $13.9 million, compared to GAAP and non-GAAP net income of $11.8 million for the six months ended June 30, 2025.
- Newer filing (2026-08-06) adds a $1.5 million year-over-year increase in interest and fees on loans, attributed to new loans booked at higher rates and continued repricing of adjustable-rate loans.
- Newer filing (2026-08-06) adds a $0.6 million decrease in interest expense year-over-year, attributed to repayment of a $25.0 million brokered certificate of deposit in January 2026 and $65.0 million in FHLB borrowings in March 2026.
- Newer filing (2026-08-06) adds a $0.3 million increase in trust and brokerage income attributed to increased production and favorable market values on assets under management.
- Newer filing (2026-08-06) adds a $2.8 million increase in other operating expenses, including the one-time consulting expense, an $0.8 million increase in salaries and benefits due to filling open positions in late 2025 and 2026, April 2026 merit increases and increased incentive payouts.
- Newer filing (2026-08-06) adds six-month increases of $3.9 million in net interest income and $0.7 million in other non-interest income, with trust and brokerage income up $0.5 million and BOLI income up $0.2 million due to a one-time death benefit in Q1 2026.
- Newer filing (2026-08-06) adds six-month increase in other operating expenses of $3.9 million, including an increase in salaries and benefits of $1.7 million and an increase in data processing expenses of $0.3 million.
- Removed:
- Older filing (2026-05-08) includes balance sheet figures as of March 31, 2026: total assets $2.0 billion, net loans $1.5 billion, deposits $1.8 billion, and shareholders' equity $205.3 million.
- Older filing (2026-05-08) includes a discussion of first quarter 2026 results: consolidated net income of $6.7 million, or $1.03 per diluted share, compared to $5.8 million, or $0.89 per diluted share, for Q1 2025.
- Older filing (2026-05-08) includes non-GAAP net income of $6.6 million, or $1.02 per diluted share, for Q1 2026, compared to $5.8 million, or $0.89 per diluted share, for Q1 2025, and $7.2 million, or $1.10 per diluted share, for Q4 2025.
- Older filing (2026-05-08) includes return on average assets of 1.29% and return on average equity of 13.06% for the quarter ended March 31, 2026.
- Older filing (2026-05-08) includes detail attributing the $0.9 million quarterly net income increase to a $2.1 million net interest income increase, $0.4 million non-interest income increase, $0.2 million provision increase, $1.1 million non-interest expense increase, and $0.3 million income tax expense increase.
- Older filing (2026-05-08) includes the statement that interest and fees on loans increased by $0.7 million year-over-year for Q1 2026, attributed to new loans booked at higher rates late in 2025 and repricing of adjustable-rate loans.
- Older filing (2026-05-08) includes a $0.4 million decrease in interest expense year-over-year for Q1 2026.
- Older filing (2026-05-08) includes increases in professional services expenses of $0.1 million and data processing expenses of $0.2 million, and reductions in miscellaneous loan fees and net periodic pension expenses.
- Older filing (2026-05-08) includes a table summarizing net interest income for the three-month periods ended March 31, 2026 and 2025, with interest income of $25,767 (non-GAAP) / $25,711 (GAAP) and $24,111 (non-GAAP) / $24,062 (GAAP), interest expense of $7,637 and $8,046, and net interest income figures.
- Reworded:
- Newer filing (2026-08-06) presents the overview period as the second quarter and six months ended June 30, 2026, whereas the older filing (2026-05-08) presents the first quarter ended March 31, 2026.
- Newer filing (2026-08-06) states the six-month net income increase was $0.5 million year-over-year, whereas the older filing (2026-05-08) describes a $0.9 million increase in quarterly net income for Q1 2026 compared to Q1 2025.
- Notes:
- The newer filing text is truncated mid-sentence after beginning the net interest income table ('The table below summarizes net int'), so some changes after that point cannot be assessed.
- Both filings contain the same or very similar introductory, forward-looking statements, and corporate description language, with changes limited to the results of operations discussion and financial figures.
Risk Factors
- Added:
- Newer filing (2026-08-06) adds 'through July 26, 2027' to the stock repurchase program description in the Note to the share repurchase table.
- Newer filing (2026-08-06) changes Jason B. Rush's title in the signature block from 'President and Chief Executive Officer' to 'Chairman of the Board, President and Chief Executive Officer'.
- Removed:
- Older filing (2026-05-08) contains exhibits 10.1, 10.2, and 10.3 in the Exhibit Index, which are absent from the newer filing (2026-08-06).
- Older filing (2026-05-08) contains a footnote about Exhibit 10.3 portions being excluded, which is absent from the newer filing (2026-08-06).
- Reworded:
- Newer filing (2026-08-06) refers to 'Regulation S-K' in the 'non-Rule 10b51 trading arrangement' definition; older filing (2026-05-08) referred to 'Registration S-K' in the same context.
- Newer filing (2026-08-06) uses 'summarizes' for the repurchase table introduction; older filing (2026-05-08) used 'summarizes' with different wording ('tables summarizes').
- Newer filing (2026-08-06) refers to 'the three-months ended June 30, 2026'; older filing (2026-05-08) referred to 'the three-months ended March 31, 2026'.
- Newer filing (2026-08-06) repurchase table periods are April, May, June 2026; older filing (2026-05-08) repurchase table periods are January, February, March 2026.
- Newer filing (2026-08-06) repurchase table data differs (10,000 total shares at $36.99 average price; 929,400 remaining); older filing (2026-05-08) repurchase table data differed (60,600 total shares at $35.82 average price; 939,400 remaining).
- Newer filing (2026-08-06) exhibit index cover page description references 'quarter ended June 30, 2026'; older filing (2026-05-08) referenced 'quarter ended March 31, 2026'.
- Newer filing (2026-08-06) signature block date is August 6, 2026; older filing (2026-05-08) signature block date was May 8, 2026.
- Newer filing (2026-08-06) Item 5 refers to 'three months ended June 30, 2026'; older filing (2026-05-08) Item 5 referred to 'three months ended March 31, 2026'.
- Newer filing (2026-08-06) repurchase note program authorized share count reference at start of table shows 939,400; older filing (2026-05-08) showed 1,000,000.
- Notes:
- Risk Factors section disclosure text is identical between the two filings; all changes identified are in adjacent sections included in the provided source text, not in the Risk Factors narrative itself.
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, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-045 buys ($12801) · 3 sells ($500750) — 4 buying, 3 selling insiders
- Last 180 days · read to 2026-10-0410 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. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
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 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 693,480
- Reported value $30,589,412
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 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.
Ask about FUNC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
FUNC had 92,581 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
FUNC had 1.43% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.3 days to cover at the same settlement.
- Reported short interest (shares) 92,581
- Short interest (% of shares outstanding) 1.43%
- Prior settlement (shares) 87,961
- Reported change 5.25%
- Days to cover (reported) 4.3
Reported to FINRA as of the 2026-09-15 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
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 financial holding company operating as the parent of First United Bank & Trust, an independent community bank. It provides retail and commercial banking services, including deposit accounts, residential and commercial loans, wealth management, and trust services, primarily across Western Maryland and Northeastern West Virginia.
What sector is FIRST UNITED CORP (FUNC) in?
FIRST UNITED CORP (FUNC) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does FUNC pay a dividend?
Yes — FIRST UNITED CORP (FUNC) pays a dividend, with an indicated yield of about 2.35% and at least 8 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 2026-09-03). Informational only — not financial advice.
Who are FIRST UNITED CORP's (FUNC) competitors?
Notable peers of FIRST UNITED CORP (FUNC) include FNB Corporation, WesBanco, ACNB Corporation and MVB Financial. 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 49, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FUNC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.