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First United Corporation FUNC · Stock Open First United Corporation in new tab

44.31 USD
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P/E
11.27
EPS
3.86
Yield
2.35%
Safety Score
97
P/B
1.32
ROE
12.42
Beta
0.50
1M 6M YTD 1Y 2Y 5Y Max
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Key Metrics
Earnings dateOct. 26, 2026
P/E11.27
EPS3.86
Book Value32.91
Price to Book1.32
% Insiders7.809%
Growth
Revenue Growth0.11%
Earnings Growth-0.05%
Estimates
Forward P/E9.06
Forward EPS4.80
Dividend
Dividend Yield2.35%
Annual dividends1.04 USD
Ex-Div. DateJuly 20, 2026
Payout25.87%
5y avg Yield3.39%

DCF Valuation

Tweak assumptions to recompute fair value for First United Corporation (FUNC)
Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
Decimal (e.g., 0.30 = 30%).
Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
Percent number (e.g., 3 = 3%).
Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result
Fair Value (DCF)
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Current Price
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WACC
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Terminal PV
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Σ PV of FCFs
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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

First United Corporation Logo First United Corporation Analysis (FUNC)

United States Financials Official Website Stock

Is First United Corporation a good investment? First United Corporation (FUNC) is currently trading at 44.31 USD.

In terms of valuation, the stock trades at a P/E ratio of 11.27. This relatively low multiple may signal that First United Corporation is undervalued compared to historical market norms.

Earnings Schedule: First United Corporation is expected to release its next earnings report on Oct. 26, 2026. The market consensus estimate for Forward EPS is 4.80.

For income investors, First United Corporation pays a dividend yield of 2.35%. With a payout ratio of 26%, the dividend appears sustainable.

Investor FAQ

Does First United Corporation pay a dividend?

Yes, it pays an annual dividend of 1.04 USD (2.35% yield).

What asset class is First United Corporation?

First United Corporation is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be Oct. 26, 2026. The company currently has a trailing EPS of 3.86.

Company Profile

First United Corporation operates as the bank holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals in the United States. It operates through Community Banking and Wealth Management segments. The company offers deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit (CD); and demand deposits. It also provides business and personal loans; commercial loans secured by real estate, commercial equipment, and vehicles or other assets of the borrower; residential mortgages; home equity lines of credit; real estate construction loans to builders and individuals for single-family dwellings; and consumer loans, including indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers brokerage; certificate of deposit account registry and IntraFi cash services; treasury management, cash sweep, and various checking opportunities; trust services, such as personal trust, investment agency accounts, charitable trusts, estate administration, and estate planning, as well as retirement accounts, including IRA rollovers, 401(k) accounts, and defined benefit plans; safe deposit and night depository facilities; and insurance products. Further, it provides online, mobile, and digital banking; debit and credit cards; business support; merchant services; remote deposit capture; positive pay; sweep and escrow accounts; check recovery and ordering; equipment loans; floorplan lending; mobile wallet and deposit; credit insights; personal finance; bill pay; CD and trust secured loans; boat and RV loans; and retirement planning services. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.

Exchange Ticker
NMS (United States) FUNC
Trades
Dividend Yield
2.35%
5y avg 3.39%
Annual Dividends
1.04USD
Next Ex. Div Date
July 20, 2026
Payout Ratio
25.87%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
0.87 USD
Aug. 2, 2027 (estimated) 0.2917
May 3, 2027 (estimated) 0.2917
Feb. 1, 2027 (estimated) 0.2902
▸2026
1.08 USD
Nov. 2, 2026 (estimated) 0.2982
Aug. 3, 2026 0.2600
May 1, 2026 0.2600
Feb. 2, 2026 0.2600
▸2025
0.92 USD
Nov. 3, 2025 0.2600
Aug. 1, 2025 0.2200
May 1, 2025 0.2200
Feb. 3, 2025 0.2200
▸2024
0.82 USD
Nov. 1, 2024 0.2200
Aug. 1, 2024 0.2000
May 1, 2024 0.2000
Feb. 1, 2024 0.2000
▸2023
0.78 USD
Nov. 1, 2023 0.2000
Aug. 1, 2023 0.2000
May 1, 2023 0.2000
Feb. 1, 2023 0.1800
▸2022
0.60 USD
Nov. 1, 2022 0.1500
Aug. 1, 2022 0.1500
May 2, 2022 0.1500
Feb. 1, 2022 0.1500
▸2021
0.58 USD
Nov. 1, 2021 0.1500
Aug. 2, 2021 0.1500
May 3, 2021 0.1500
Feb. 1, 2021 0.1300
▸2020
0.52 USD
Nov. 2, 2020 0.1300
Aug. 3, 2020 0.1300
May 1, 2020 0.1300
Feb. 3, 2020 0.1300
▸2019
0.40 USD
Nov. 1, 2019 0.1300
Aug. 1, 2019 0.0900
May 1, 2019 0.0900
Feb. 1, 2019 0.0900
▸2018
0.27 USD
Nov. 1, 2018 0.0900
Aug. 1, 2018 0.0900
May 2, 2018 0.0900
▸2010
0.13 USD
Nov. 1, 2010 0.0100
Aug. 2, 2010 0.0100
April 30, 2010 0.0100
Feb. 1, 2010 0.1000
▸2009
0.80 USD
Nov. 2, 2009 0.2000
July 31, 2009 0.2000
May 1, 2009 0.2000
Feb. 1, 2009 0.2000
▸2008
0.80 USD
Nov. 1, 2008 0.2000
Aug. 1, 2008 0.2000
May 1, 2008 0.2000
Feb. 1, 2008 0.2000
▸2007
0.78 USD
Nov. 1, 2007 0.1950
Aug. 1, 2007 0.1950
May 1, 2007 0.1950
Feb. 1, 2007 0.1950
▸2006
0.76 USD
Nov. 1, 2006 0.1900
Aug. 1, 2006 0.1900
May 1, 2006 0.1900
Feb. 1, 2006 0.1900
▸2005
0.74 USD
Nov. 1, 2005 0.1850
Aug. 1, 2005 0.1850
May 1, 2005 0.1850
Feb. 1, 2005 0.1850
▸2004
0.72 USD
Nov. 1, 2004 0.1800
Aug. 1, 2004 0.1800
May 1, 2004 0.1800
Feb. 1, 2004 0.1800
▸2003
0.70 USD
Nov. 1, 2003 0.1750
Aug. 1, 2003 0.1750
May 1, 2003 0.1750
Feb. 1, 2003 0.1750
▸2002
0.68 USD
Nov. 1, 2002 0.1700
Aug. 1, 2002 0.1700
May 1, 2002 0.1700
Feb. 1, 2002 0.1700
▸2001
0.66 USD
Nov. 1, 2001 0.1650
Aug. 1, 2001 0.1650
May 1, 2001 0.1650
Feb. 1, 2001 0.1650
▸2000
0.64 USD
Nov. 1, 2000 0.1600
Aug. 1, 2000 0.1600
May 1, 2000 0.1600
Feb. 1, 2000 0.1600
▸1999
0.62 USD
Nov. 1, 1999 0.1550
Aug. 1, 1999 0.1550
May 1, 1999 0.1550
Feb. 1, 1999 0.1500
▸1998
0.60 USD
Nov. 1, 1998 0.1500
Aug. 1, 1998 0.1500
May 1, 1998 0.1500
Feb. 1, 1998 0.1500
▸1997
0.56 USD
Nov. 1, 1997 0.1400
Aug. 1, 1997 0.1400
May 1, 1997 0.1400
Feb. 1, 1997 0.1400
▸1996
0.51 USD
Nov. 1, 1996 0.1300
Aug. 1, 1996 0.1300
May 1, 1996 0.1300
Feb. 1, 1996 0.1238
▸1995
0.46 USD
Nov. 1, 1995 0.1143
Aug. 1, 1995 0.1143
May 1, 1995 0.1143
Feb. 1, 1995 0.1143
▸1994
0.48 USD
Nov. 1, 1994 0.1143
Aug. 1, 1994 0.1143
May 1, 1994 0.0952
Feb. 1, 1994 0.1600
▸1993
0.78 USD
Aug. 2, 1993 0.1600
May 1, 1993 0.3100
Feb. 1, 1993 0.3100
▸1992
0.30 USD
Nov. 2, 1992 0.3000
Upcoming Dividends
Name Payment Date Status Amount
First United Corporation Aug 03, 2026 0.26 USD
First United Corporation May 01, 2026 0.26 USD
First United Corporation Feb 02, 2026 0.26 USD
First United Corporation Nov 03, 2025 0.26 USD
Stock Splits
Split Date Split Ratio to 1
June 16, 1993 2:1
Feb. 9, 1994 1.5
March 13, 1996 1.05
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