First United Corporation (FUNC) Stock Price & Analysis
First United Corporation (FUNC) closed at USD 45.93 on Friday, October 23, 2026, up 0.02% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 45.93; the Oct 23, 2026 session ranged USD 45.59–46.59 on volume of 28,778 shares. Market capitalization is —, with a 52-week range of USD 33.9–46.59 (NMS). Source: Nexqual, retrieved October 24, 2026 at 05:55 UTC.
Also available as compact Markdown for AI agents: nexqual.com/FUNC.md
Key facts (FUNC)
- Last four reported quarters (through Jun 30, 2026): revenue $93.3M, net income $25.1M (26.8% margin) (SEC filings).
- Total return with dividends: 1Y +26.7% vs S&P 500 +13.4%; 5Y +186.7% vs S&P 500 +76.9%.
- Next earnings: 2026-10-26, EPS estimate USD 1.24, revenue estimate $25.5M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (FUNC)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $73.3M | $75.7M | $71.3M | $79.8M | $88.7M | $93.3M |
| Net income | $19.8M | $25.0M | $15.1M | $20.6M | $24.5M | $25.1M |
| EPS (diluted) | $2.95 | $3.76 | $2.25 | $3.15 | $3.77 | — |
| Free cash flow | $18.9M | $23.0M | $22.1M | $20.4M | $15.4M | $26.0M |
| Net margin | 27.0% | 33.1% | 21.1% | 25.8% | 27.6% | 26.8% |
| Revenue growth | +9.2% | +3.3% | -5.7% | +11.9% | +11.1% | — |
| Cash + short-term investments | $116M | $74.3M | $49.8M | $78.3M | $132M | — |
| Total debt | $88.6M | $95.5M | $156M | $186M | $114M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (FUNC)
P/E at fiscal year-ends: Dec 2025 9.9x, Dec 2024 10.7x, Dec 2023 10.5x.
Analysts (FUNC)
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-07-01 | Raymond James | Target raised | Outperform | $44 → $50 |
Total return (dividends reinvested) (FUNC)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +26.7% | +186.7% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +26.8% | +23.5% |
| Volatility (annualized) | 26.1% | 33.6% |
| Max drawdown | -13.9% (Dec 2025→Feb 2026) | -43.8% (Mar 2022→May 2023) |
FUNC revenue by product line (fiscal year ended Dec 31, 2025)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Trust Department | $9.8M | 53.3% | +8.0% |
| Debit Card Income | $4.1M | 22.0% | -0.2% |
| Service Charges | $2.3M | 12.2% | +1.6% |
| Brokerage Commissions | $1.4M | 7.8% | -0.3% |
| Other Service Charges | $845,000 | 4.6% | -4.7% |
| Total revenue | $18.4M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
FUNC company outlook (results filed Oct 19, 2026)
- “The increase in salaries and benefits was the result of new hires to complete the build out of talent in our West and East regions, annual merit increases in April 2026, increased incentives related to the accruals for projected annual payouts, and increased life and health insurance costs due to higher claims, partially offset by the reduction of costs associated with loan originations.”
- “Short-term borrowings increased by $15.2 million at September 30, 2026 when compared to December 31, 2025 as a result of overnight borrowings in anticipation of loan funding.”
Quoted word-for-word from the SEC 8-K results press release.
FUNC analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $1.24 | $1.19 | +3.8% | $25.5M | 2 |
| Next quarter (ends Mar 2027) | $1.17 | $1.09 | +6.4% | $24.9M | 2 |
| Current fiscal year (ends Dec 2026) | $4.49 | $4.50 | -0.3% | $98.1M | 2 |
| Next fiscal year (ends Dec 2027) | $4.87 | $4.71 | +3.5% | $103.6M | 2 |
Key Statistics (as of October 24, 2026 at 05:55 UTC)
| Price | USD 45.93 |
|---|---|
| Change | ▲ 0.02% (up) |
| Previous Close | USD 45.93 |
| Open | USD 45.93 |
| Day Range | USD 45.59 – 46.59 |
| 52-Week Range | USD 33.9 – 46.59 |
| Volume | 28,778 shares |
| Market Cap | — |
| Exchange | NMS |
Technical Analysis (FUNC)
Nexqual's technical model rates FUNC "BUY" based on 5 bullish and 2 bearish signals across 127 daily candles, as of October 24, 2026 at 05:55 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 61.2 (neutral) |
| vs SMA50 | Above (USD 43.74) |
| MACD | 0.28 (positive) |
Earnings (FUNC)
| Next Earnings Date | 2026-10-26 |
|---|---|
| EPS Estimate | USD 1.24 |
| Revenue Estimate | $25.54M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 1.11 vs est 1.16 ▼ miss |
| 2026-06-30 | USD 1.13 vs est 1.05 ▲ beat |
| 2026-03-31 | USD 1.02 vs est 0.92 ▲ beat |
| 2025-12-31 | USD 1.1 vs est 0.96 ▲ beat |
Source: Nexqual, October 24, 2026 at 05:55 UTC.
Financials & Fundamentals (FUNC)
| Total Revenue | $91.49M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +4.80% |
| Gross Margin | +0.00% |
| Operating Margin | +41.90% |
| Profit Margin | +27.64% |
| ROE | +12.24% |
| Total Cash | $74.87M |
| Total Debt | $64.69M |
Source: Nexqual, October 24, 2026 at 05:55 UTC.
Ownership (FUNC)
| Insider Ownership | +7.84% |
|---|---|
| Institutional Ownership | +49.97% |
| Shares Outstanding | 6.45M |
| Float | 5.94M |
| Short % of Float | +1.49% |
Source: Nexqual, October 24, 2026 at 05:55 UTC.
From First United Corporation's Latest SEC 10-K Filing (filed 2026-03-10)
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FNLC | First Bancorp, Inc (ME) | USD 36.36 | ▲ 0.53% |
| FCCO | First Community Corporation | USD 33.1 | ▲ 0.33% |
| CFFI | C&F Financial Corporation | USD 107.33 | ▼ 0.83% |
| CBAN | Colony Bankcorp, Inc. | USD 20.36 | ▲ 0.54% |
| CHMG | Chemung Financial Corp | USD 83.88 | ▲ 0.78% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 05:55 UTC. This page is informational and not investment advice.
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