FU
FUNC.O
—
NASDAQ
Banks
First United Corp
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
289,7M USD
P/E
—
EV / Rev
—
Div yield
2,14 %
Op margin
—
ROE
12,0 %
Net margin
133,0 %
Debt / equity
0,47
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$44,88
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About
First United Corp operates as a bank within the Financials sector, generating revenue through interest income and banking services.
Business. First United Corp (FUNC.O) is a bank operating within the Financials sector, primarily generating revenue through interest income. The company is listed on the NASDAQ stock exchange. Specific details regarding its operating segments, headquarters location, and geographic mix are not provided in the available data.
Classification85 %
SectorFinancials
Industry groupBanks
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts
—
not yet wired
Ownership→
Dimensional Fund Advisors, L.P.
largest disclosed fund holder
Profitability→
12,0 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to FUNC.O. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
First United Corp (FUNC.O) is a bank operating within the Financials sector, primarily generating revenue through interest income. The company is listed on the NASDAQ stock exchange. Specific details regarding its operating segments, headquarters location, and geographic mix are not provided in the available data.
Classification85 %
SectorFinancials
Industry groupBanks
AI synthesis
GENERATEDFirst United Corp maintains a conservative capital structure with total assets of $2.09 billion and total equity of $203.6 million. The debt-to-equity ratio stands at 0.47, indicating moderate leverage relative to equity. Liquidity is supported by $131.6 million in cash and equivalents, which covers the $95.9 million in long-term debt. The current risk assessment flags liquidity risk as low, consistent with the strong cash position relative to liabilities.
Profitability metrics show a return on equity (ROE) of 12.04% and a return on assets (ROA) of 1.17%. The company reports net income of $24.5 million against revenue of $18.4 million, suggesting significant non-interest income or accounting adjustments typical in banking where net interest income is the primary driver. The price-to-earnings ratio is 11.9, and the price-to-book ratio is 1.43, reflecting a valuation that is modest relative to tangible book value.
Key takeaways
- First United Corp trades at a P/E of 11.9 and P/B of 1.43, indicating a modest valuation relative to book value.
- The company holds $131.6 million in cash against $95.9 million in long-term debt, supporting a low liquidity risk profile.
- ROE of 12.04% and ROA of 1.17% reflect solid profitability metrics for a regional bank.
- No dilution risk is present as basic and diluted shares outstanding are identical.
- Lack of historical data and segment breakdowns limits the depth of growth and concentration analysis.
Bull / Bear case
Generated · model-assisted— missing data
In focus — financials by report
Valuation
Market price
$44,57
Market cap
$291.7M
Enterprise valueⓘ
$256.0M
P/Eⓘ
—
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
—
EV / OCFⓘ
13.2x
P / Bⓘ
1.4x
P / Tangible bookⓘ
1.4x
Tangible book
$203.6M
Net cashⓘ
$35.7M
Current ratioⓘ
—
Debt / equityⓘ
0.5
ROAⓘ
1.2%
ROEⓘ
12.0%
Cash conversionⓘ
79.0%
CapEx / revenueⓘ
21.5%
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution2 analysts
Strong buy0
Buy2
Hold0
Sell0
Strong sell0
12-month price target$47,25 · Median $47,25
Low $44,50High $50,00
Operating income · consensus39,8M USD
EPS surprise
−6,8 %
reported vs consensus · miss
Revenue surprise
+41,8 %
reported vs consensus · beat
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$44,50
Mean$47,25
Median$47,25
High$50,00
Spot$44,57
+6.0 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskLow
Filing-based flags
- No immediate filing-based liquidity or dilution flags were detected.
Benchmarks vs cohort
Net Margin133,1 %Best in class
ROE12,0 %Above P75
Capex / Rev21,5 %Best in class
D/E0,47Below median
Cash Conv0,79Below median
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Reference data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Ev To Revenueenterprise_value / revenue
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Source documents
- First United Corporation Market data — financials · 2026-07-28
- reconciler_enqueue (reconciler) on FUNC.O · 2026-07-28
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$13M
- Investment Managers · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$5M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2025-12-310,00 %$13M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2024-06-300,00 %$2M
- Brokerage Firms · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
Leadership
- Carissa Lynn RodeheaverExecutive Chairman of the Board
Insider activity
Net selling5 buys · 3 sellsnet -$488K15 insiders · last 365d
- EVP & Chief Banking Officer · Common StockSold 5 250 @ $45,29$238K · 2026-07-28
- Director · Common StockSold 1 000 @ $44,58$45K · 2026-07-24
- EVP & Chief Wealth Officer · Common StockSold 5 000 @ $43,68$218K · 2026-07-23
- Director · Common StockOther 1 000 · 2026-05-27
- Director · Common StockOther 1 000 · 2026-05-27
- Director · Common StockOther 1 395 · 2026-05-27
- Director · Common StockOther 1 000 · 2026-05-27
- Director · Common StockOther 1 000 · 2026-05-27
- Director · Common StockOther 1 000 · 2026-05-27
- Director · Common StockOther 1 395 · 2026-05-27
- Director · Common StockOther 1 395 · 2026-05-27
- Director · Common StockOther 1 263 · 2026-05-27
- EVP & CFO · Common StockOther 133 @ $36,88$5K · 2026-05-20
- Chief Banking Officer · Common StockOther 146 @ $36,88$5K · 2026-05-20
- Director · Common StockOther 3 023 · 2026-05-07
- Director · Common StockOther 1 085 · 2026-05-07
- Director · Common StockOther 406 · 2026-05-07
- Director · Common StockOther 2 638 @ $37,54$99K · 2026-05-07
- Director · Common StockOther 235 · 2026-05-07
- EVP & CFO · Common StockBought 3 @ $38,10$112 · 2026-05-01
- Director · Common StockBought 78 @ $38,10$3K · 2026-05-01
- President & CEO · Common StockBought 76 @ $38,10$3K · 2026-05-01
- Director · Common StockBought 44 @ $37,70$2K · 2026-05-01
- Director · Common StockBought 123 @ $38,10$5K · 2026-05-01
- Director · Common StockOther 311 @ $35,99$11K · 2026-03-16
Short positioning
92.4Kshares short+13.0% vs prior
3.93days to cover
38.5%short of daily vol
2fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
FUNC.OCanonical
NASDAQ · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskLow
No immediate filing-based liquidity or dilution flags were detected.
Relationship graph
This companyPeerSector
Evidence & claims
From filings & derived data- Long-term debt (annual): USD 95.93MUnknown
- Operating cash flow (annual): USD 19.37MUnknown
- Total liabilities (annual): USD 1.88BUnknown
- EPS (diluted) (annual): USD-PER-SHARES 4Unknown
- Total assets (annual): USD 2.09BUnknown
- Net income (annual): USD 24.52MUnknown
- Shareholders' equity (annual): USD 203.63MUnknown
- Revenue (annual): USD 18.43MUnknown
- Pre-tax income (annual): USD 32.53MUnknown
- EPS (basic) (annual): USD-PER-SHARES 4Unknown
- Capex (annual): USD 3.97MUnknown
- Cash & equivalents (annual): USD 131.61MUnknown
- Shares outstanding (annual): 6.5MUnknown
- Cash & equivalents (annual): USD 78.33MUnknown
- Total liabilities (annual): USD 1.79BUnknown
- Pre-tax income (annual): USD 27.23MUnknown
- Long-term debt (annual): USD 120.93MUnknown
- Net income (annual): USD 20.57MUnknown
- Revenue (annual): USD 17.71MUnknown
- EPS (basic) (annual): USD-PER-SHARES 3Unknown
- Operating cash flow (annual): USD 22.28MUnknown
- Shares outstanding (annual): 6.47MUnknown
- Total assets (annual): USD 1.97BUnknown
- Capex (annual): USD 1.92MUnknown
Showing 24 of 26 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-07-28INSIDERFisher Robert L. II sold 5.2k sh — EVP & Chief Banking Officer ~$238k
2026-07-24INSIDERRUDY IRVIN ROBERT sold 1.0k sh — Director ~$45k
2026-07-23INSIDERSanders Keith sold 5.0k sh — EVP & Chief Wealth Officer ~$218k
2026-07-20 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
2026-07-20EVENTQ2 2026 earnings (expected) estimated date
2026-05-27 00:00 UTCINSIDER16 insider transactions — 2026-05
2026-05-27 00:00 UTCINSIDER16 insider transactions — 2026-05
2026-05-27INSIDERMoran Beth transacted 1.0k sh — Director
2026-05-27INSIDERBarr John F. transacted 1.0k sh — Director
2026-05-27INSIDERMilon Patricia transacted 1.0k sh — Director
2026-05-27INSIDERHessler Kevin transacted 1.4k sh — Director
2026-05-27INSIDERDiPietro Christy transacted 1.4k sh — Director
2026-05-27INSIDERChadha Sanu transacted 1.3k sh — Director
2026-05-27INSIDERWalls H Andrew III transacted 1.0k sh — Director
2026-05-27INSIDERRUDY IRVIN ROBERT transacted 1.0k sh — Director
2026-05-27INSIDERBoal Brian R. transacted 1.4k sh — Director
2026-05-20INSIDERSturm Tonya K. transacted 133 sh — EVP & CFO ~$5k
2026-05-20INSIDERFisher Robert L. II transacted 146 sh — Chief Banking Officer ~$5k
2026-05-07INSIDERRodeheaver Carissa Lynn transacted 2.6k sh — Director ~$99k
2026-05-07INSIDERRodeheaver Carissa Lynn transacted 1.1k sh — Director
2026-05-07INSIDERRodeheaver Carissa Lynn transacted 235 sh — Director
2026-05-07INSIDERRodeheaver Carissa Lynn transacted 406 sh — Director
2026-05-07INSIDERRodeheaver Carissa Lynn transacted 3.0k sh — Director
2026-05-01INSIDERSturm Tonya K. bought 3 sh — EVP & CFO ~$0k
2026-05-01INSIDERBoal Brian R. bought 78 sh — Director ~$3k
2026-05-01INSIDERRush Jason Barry bought 76 sh — President & CEO ~$3k
2026-05-01INSIDERRodeheaver Carissa Lynn bought 44 sh — Director ~$2k
2026-05-01INSIDERRodeheaver Carissa Lynn bought 123 sh — Director ~$5k
2026-03-16 00:00 UTCINSIDER13 insider transactions — 2026-03
2026-03-16 00:00 UTCINSIDER13 insider transactions — 2026-03
2026-03-16INSIDERFisher Robert L. II transacted 526 sh — EVP & Chief Lending Officer
Showing the 40 most recent of 46 entries.
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Reference data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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