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FUNC First United Corporation

NASDAQ Global Select · Banks - Regional · Financial Services

$45.38
-0.80 (-1.73%)

First United Corporation acts as the holding company for First United Bank & Trust, which delivers a wide array of retail and commercial banking solutions to both businesses and individual customers. The bank offers a diverse portfolio of deposit accounts, encompassing standard checking, savings, and money market options, in addition to specialized choices like regular and Individual Retirement Ac…

Market Cap: $292.88Mmybank.com

Price (90d)

No price history yet — the daily price refresh runs once a day.

Signal Score (90d)

120
120
Aug 12Aug 12

Quote

Day Range
$45.08 – $45.86
52-Week Range
$33.54 – $46.30
Volume
$7.3K
Market Cap
$292.88M
50-Day Avg
$43.81
200-Day Avg
$39.07
Prev Close
$46.18
Open
$45.50

Valuation & Ratios

P/E Ratio
9.90
EPS
$3.78
P/B Ratio
1.19
P/S Ratio
2.04
Debt/Equity
0.56
Current Ratio
0.09
Dividend Yield
+2.5%
Gross Margin
+70.2%

Returns & Efficiency

Return on Equity
+12.0%
Return on Assets
+1.2%
FCF Yield
+6.3%
EV/EBITDA
6.35

Revenue & Net Income (Annual)

Fiscal YearRevenueNet IncomeEPS
2025$119.18M$24.52M$3.78
2024$111.80M$20.57M$3.15
2023$95.61M$15.06M$2.25
2022$80.44M$25.05M$3.77
2021$78.61M$19.77M$2.95

Social Signal Score

70
5d
70
1 mentions
30d
70
1 mentions
60d
70
1 mentions
90d
70
1 mentions
news: 1

Earnings

Mon, Oct 26(in 2 months)

Consensus estimate $1.16 per share

7of 7 quarters beat consensus

Typical surprise +10.9% (median, so one quarter with a near-zero estimate can't distort it)

  • Mon, Jul 20$1.13 vs $1.05beat
  • Mon, Apr 20$1.02 vs $0.92beat
  • Wed, Feb 4$1.10 vs $0.96beat
  • Tue, Oct 21$1.07 vs $0.89beat
  • Mon, Jul 21$0.92 vs $0.84beat
  • Mon, Apr 21$0.89 vs $0.80beat

Estimates and results for FUNC via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.

Valuation

Project earnings forward and see what return today's price implies.

Seeded from FUNC's reported EPS growth of 6.4% a year over 4 years.

EPS in 5 years
$5.15
Implied price
$51.51
Return from $45.38
2.6% a year

To earn 15.0% a year on these assumptions you'd need to buy at $25.61 -43.6% below today's price.

How sensitive is that answer?

Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.

growth \ P/E68101214
-3.6%-16.1%-11.1%-7.1%-3.6%-0.6%
1.4%-11.7%-6.5%-2.3%1.4%4.6%
6.4%-7.4%-1.9%2.6%6.4%9.7%
11.4%-3.0%2.7%7.4%11.4%14.9%
16.4%1.3%7.3%12.2%16.4%20.0%

This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.

Mentions (1)

  • Newszacks.com·3d ago·Positive

    This is Why First United Corporation (FUNC) is a Great Dividend Stock Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First United (FUNC) have what it takes?

    View source ↗