First United (FUNC) Stock Price, News & Analysis

Company Overview

First United Corporation (NASDAQ: FUNC) is a bank holding company headquartered in Mandan, North Dakota. Through its primary subsidiary, First United Bank & Trust, the company provides a comprehensive range of commercial and consumer banking services. Its core offerings include checking and savings accounts, mortgage and consumer loans, commercial lending solutions, and online and mobile banking platforms designed to meet the needs of individual and business customers alike.

In addition to traditional deposit and lending services, First United offers specialized wealth management and trust services through its First United Wealth division. This segment provides investment advisory, retirement planning, estate administration, and fiduciary services. The company also delivers treasury management and merchant services tailored to small and mid-sized enterprises, enabling clients to optimize cash flow, streamline payments, and manage receivables effectively.

First United has built a strong regional presence with banking offices across North Dakota, Montana, Minnesota and select locations in central Oregon. With roots tracing back to its founding as a mutual bank more than 80 years ago, the institution has expanded through strategic branch openings and community partnerships, while maintaining a focus on personalized customer service and local decision-making.

The leadership team is steered by President and Chief Executive Officer Wade Minto, supported by a board of directors with deep experience in banking, agriculture, and regional commerce. Under their guidance, First United continues to emphasize community engagement and financial education initiatives, reinforcing its commitment to fostering economic growth in the markets it serves.

Key Stats

• Today's Range: $32.88 to $34.19
• 50-Day Range: $28.27 to $33.84
• 52-Week Range: $21.63 to $42.50
• Volume: 12,755 shs
• Average Volume: 26,218 shs
• Market Capitalization: $213.06 million
• P/E Ratio: 9.45
• Dividend Yield: 2.68%
• Price Target: $42.00
• Consensus Rating: Buy

First United Stock Analysis - MarketRank™

First United scored higher than 86% of companies evaluated by MarketBeat, and ranked 229th out of 936 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: 3.5 / 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 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

First United has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.00%

Earnings Growth

Earnings for First United are expected to grow by 12.00% in the coming year, from $3.75 to $4.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First United is 9.45, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of First United is 9.45, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

First United has a P/B Ratio of 1.19. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.55% 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 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First United has recently increased by 795.28%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

First United pays a meaningful dividend of 2.62%, 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 25.29%. 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 20.95% next year. This indicates that First United will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.55% 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 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First United has recently increased by 795.28%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: N/A

News Sentiment

First United has a news sentiment score of 1.37. 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 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for First United this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, First United insiders have bought more of their company's stock than they have sold. Specifically, they have bought $11,899.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 7.90% of the stock of First United is held by insiders.

Percentage Held by Institutions

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

FUNC Stock Analysis - Frequently Asked Questions

How have FUNC shares performed this year?

First United's stock was trading at $33.71 at the start of the year. Since then, FUNC shares have decreased by 2.5% and is now trading at $32.88.

How were First United's earnings last quarter?

First United Corporation (NASDAQ:FUNC) posted its earnings results on Monday, April, 21st. The bank reported $0.89 EPS for the quarter, beating the consensus estimate of $0.80 by $0.09. The bank earned $20.84 million during the quarter, compared to analyst estimates of $20.63 million. First United had a trailing twelve-month return on equity of 12.94% and a net margin of 19.95%.

How do I buy shares of First United?

Shares of FUNC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First United own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First United investors own include Humana (HUM), American Water Works (AWK), Voyager Therapeutics (VYGR), Waste Connections (WCN), TotalEnergies (TTE), The RMR Group (RMR) and Southern First Bancshares (SFST).

Company Calendar

• Record date for 5/1 Dividend: 4/17/2025
• Ex-Dividend for 5/1 Dividend: 4/17/2025
• Last Earnings: 4/21/2025
• Dividend Payable: 5/01/2025
• Today: 7/11/2025
• Record date for 8/1 Dividend: 7/18/2025
• Ex-Dividend for 8/1 Dividend: 7/18/2025
• Next Earnings (Estimated): 7/28/2025
• Dividend Payable: 8/01/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FUNC
• CIK: 763907
• Web: www.mybank.com
• Phone: (301) 334-9471
• Fax: 301-334-5784
• Employees: 300
• Year Founded: N/A

Price Target and Rating

• Average Price Target for First United: $42.00
• High Price Target: $42.00
• Low Price Target: $42.00
• Potential Upside/Downside: +27.7%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.48
• Trailing P/E Ratio: 9.45
• Forward P/E Ratio: 8.77
• P/E Growth: N/A
• Net Income: $20.57 million
• Net Margins: 19.95%
• Pretax Margin: 26.45%
• Return on Equity: 12.94%
• Return on Assets: 1.17%

Debt

• Debt-to-Equity Ratio: 0.66
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $111.40 million
• Price / Sales: 1.91
• Cash Flow: $3.61 per share
• Price / Cash Flow: 9.11
• Book Value: $27.72 per share
• Price / Book: 1.19

Miscellaneous

• Outstanding Shares: 6,480,000
• Free Float: 5,967,000
• Market Cap: $213.06 million
• Optionable: Not Optionable
• Beta: 0.61