NASDAQ: FUNC
First United Corp Stock

$33.67-0.17 (-0.5%)
Updated Jul 9, 2025
FUNC Price
$33.67
Fair Value Price
$54.82
Market Cap
$218.14M
52 Week Low
$20.70
52 Week High
$42.50
P/E
9.65x
P/B
1.19x
P/S
2.45x
PEG
41.57x
Dividend Yield
1.9%
Revenue
$79.40M
Earnings
$22.68M
Gross Margin
100%
Operating Margin
37.87%
Profit Margin
28.6%
Debt to Equity
9.78
Operating Cash Flow
$26M
Beta
0.5
Next Earnings
Jul 21, 2025
Ex-Dividend
N/A
Next Dividend
N/A

FUNC Overview

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. The company offers various deposit products, including checking accounts, savings and money market accounts, regular and individual retirement accounts (IRA) certificates of deposit, Christmas savings accounts, college savings accounts, and health savings accounts; Certificate of Deposit Account Registry Service program and Insured Cash Sweep program to municipalities, businesses, and consumers; and commercial customers packages, which include treasury management, cash sweep, and various checking opportunities. It also provides loans, such as commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings; residential mortgage loans; home equity lines of credit; residential real estate construction loans; and indirect and direct auto loans, student loans, term loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers various trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts that consist of IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning services; insurance products; brokerage services; and safe deposit and night depository facilities. It operates 26 banking offices, one customer care center, and 34 automated teller machines in Allegany, Frederick, Garrett, and Washington counties in Maryland; and in Mineral, Berkeley, Monongalia, and Harrison counties in West Virginia. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine FUNC's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
F
FUNC
Ranked
#38 of 296

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FUNC News

Overview

Due Diligence Score

Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how FUNC scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

FUNC ($33.67) is undervalued by 38.58% relative to our estimate of its Fair Value price of $54.82 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
FUNC ($33.67) is significantly undervalued by 38.58% relative to our estimate of its Fair Value price of $54.82 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
FUNC ($33.67) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more FUNC due diligence checks available for Premium users.

Valuation

FUNC fair value

Fair Value of FUNC stock based on Discounted Cash Flow (DCF)

Price
$33.67
Fair Value
$54.82
Undervalued by
38.58%
FUNC ($33.67) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FUNC ($33.67) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FUNC ($33.67) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FUNC price to earnings (PE)

For valuing profitable companies with steady earnings

Company
9.65x
Industry
12.79x
Market
30.63x
FUNC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FUNC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

FUNC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.19x
Industry
1.23x
FUNC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FUNC price to earnings growth (PEG)

For valuing profitable companies with growth potential

FUNC is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

FUNC's financial health

Profit margin

Revenue
$20.3M
Net Income
$5.8M
Profit Margin
28.6%
FUNC's Earnings (EBIT) of $30.07M... subscribe to Premium to read more.
Interest Coverage Financials
FUNC's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.0B
Liabilities
$1.8B
Debt to equity
9.78
FUNC's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
FUNC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$7.0M
Investing
-$3.2M
Financing
$2.3M
FUNC's operating cash flow ($25.66M)... subscribe to Premium to read more.
Debt Coverage Financials

FUNC vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
FUNCC$218.14M-0.50%9.65x1.19x
ISTRC$219.15M+0.41%10.03x0.87x
LCNBB$215.20M+1.33%13.21x0.83x
CFFIC$214.96M+0.36%9.95x0.92x
FINWD$210.58M+0.54%16.60x1.19x

First United Stock FAQ

What is First United's quote symbol?

(NASDAQ: FUNC) First United trades on the NASDAQ under the ticker symbol FUNC. First United stock quotes can also be displayed as NASDAQ: FUNC.

If you're new to stock investing, here's how to buy First United stock.

What is the 52 week high and low for First United (NASDAQ: FUNC)?

(NASDAQ: FUNC) First United's 52-week high was $42.50, and its 52-week low was $20.70. It is currently -20.78% from its 52-week high and 62.66% from its 52-week low.

How much is First United stock worth today?

(NASDAQ: FUNC) First United currently has 6,478,634 outstanding shares. With First United stock trading at $33.67 per share, the total value of First United stock (market capitalization) is $218.14M.

First United stock was originally listed at a price of $20.25 in Dec 31, 1997. If you had invested in First United stock at $20.25, your return over the last 27 years would have been 66.27%, for an annualized return of 1.9% (not including any dividends or dividend reinvestments).

How much is First United's stock price per share?

(NASDAQ: FUNC) First United stock price per share is $33.67 today (as of Jul 9, 2025).

What is First United's Market Cap?

(NASDAQ: FUNC) First United's market cap is $218.14M, as of Jul 10, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

First United's market cap is calculated by multiplying FUNC's current stock price of $33.67 by FUNC's total outstanding shares of 6,478,634.
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