First United (FUNC) Stock Price, News & Analysis

Company Overview

First United Corporation is a bank holding company headquartered in Oakland, Maryland. Through its principal subsidiary, First United Bank & Trust, the company provides community banking services to individuals, families, businesses and organizations.

First United Bank & Trust offers deposit products, residential and commercial real estate lending, consumer loans, business financing and other credit services. The bank also provides wealth management, trust, investment and insurance-related services through its banking and financial services operations.

Founded in 1900, First United serves communities in western Maryland and nearby areas of West Virginia and southwestern Pennsylvania through branch offices, digital banking services and other delivery channels. The company has been led by William B. Grant Jr., who has served as president and chief executive officer of First United Bank & Trust and First United Corporation.

Key Stats

• Today's Range: $43.20 to $44.24
• 50-Day Range: $42.16 to $46.18
• 52-Week Range: $33.54 to $46.30
• Volume: 24,420 shs
• Average Volume: 30,500 shs
• Market Capitalization: $281.35 million
• P/E Ratio: 11.30
• Dividend Yield: 2.38%
• Price Target: $49.50
• Consensus Rating: Buy

First United Stock Analysis - MarketRank™

First United scored higher than 87% of companies evaluated by MarketBeat, and ranked 246th out of 843 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.0 / 5
• Analyst Rating: Buy

Consensus Rating

First United has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 3 buy ratings, no hold ratings, and no sell ratings.

Upside Potential

First United has a consensus price target of $49.50, representing about 13.5% upside from its current price of $43.62.

Amount of Analyst Coverage

First United has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.67%

Earnings Growth

Earnings for First United are expected to grow by 6.67% in the coming year, from $4.50 to $4.80 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First United is 11.30, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.89.

Price to Earnings Ratio vs. Sector

The P/E ratio of First United is 11.30, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.49.

Price to Book Value per Share Ratio

First United has a P/B Ratio of 1.39. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.56% of the float of First United has been sold short.

Short Interest Ratio / Days to Cover

First United has a short interest ratio ("days to cover") of 4.3.

Change versus previous month

Short interest in First United has recently increased by 5.25%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

First United pays a meaningful dividend of 2.37%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First United has been increasing its dividend for 6 years.

Dividend Coverage

The dividend payout ratio of First United is 26.94%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First United will have a dividend payout ratio of 21.67% next year. This indicates that First United will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.8 / 5
• News Sentiment: 1.01

News Sentiment

First United has a news sentiment score of 1.01. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.63 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for First United this week, compared to 2 articles on an average week.

Search Interest

1 people have searched for FUNC on MarketBeat in the last 30 days.

Company Ownership

• Score: 2.8 / 5
• Insider Trading: Selling Shares

Cluster Insider Buying

4 insiders have purchased shares of First United in the last three months. Multiple insiders buying is a strong bullish signal.

Insider Buying vs. Insider Selling

In the past three months, First United insiders have sold 3,807.24% more of their company's stock than they have bought. Specifically, they have bought $12,816.00 in company stock and sold $500,752.00 in company stock.

Percentage Held by Insiders

8.10% of the stock of First United is held by insiders.

Percentage Held by Institutions

33.27% of the stock of First United is held by institutions.

Company Calendar

• Last Earnings: 7/20/2026
• Record date for 8/3 Dividend: 7/20/2026
• Ex-Dividend for 8/3 Dividend: 7/20/2026
• Dividend Payable: 8/03/2026
• Today: 10/03/2026
• Record date for 11/2 Dividend: 10/19/2026
• Ex-Dividend for 11/2 Dividend: 10/19/2026
• Next Earnings (Estimated): 10/26/2026
• Dividend Payable: 11/02/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FUNC
• CIK: 763907
• Web: www.mybank.com
• Phone: (301) 334-9471
• Fax: 301-334-5784
• Employees: 343
• Year Founded: 1900

Price Target and Rating

• Average Price Target for First United: $49.50
• High Price Target: $50.00
• Low Price Target: $49.00
• Potential Upside/Downside: +13.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.86
• Trailing P/E Ratio: 11.30
• Forward P/E Ratio: 9.69
• P/E Growth: N/A
• Net Income: $24.51 million
• Net Margins: 20.05%
• Pretax Margin: 26.50%
• Return on Equity: 13.69%
• Return on Assets: 1.36%

Debt

• Debt-to-Equity Ratio: 0.15
• Current Ratio: 0.91
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $121.42 million
• Price / Sales: 2.32
• Cash Flow: $4.28 per share
• Price / Cash Flow: 10.19
• Book Value: $31.34 per share
• Price / Book: 1.39

Miscellaneous

• Outstanding Shares: 6,450,000
• Free Float: 5,931,000
• Market Cap: $281.35 million
• Optionable: Not Optionable
• Beta: 0.52