Stocks · Financial Services · Banks - Regional
First United Corporation FUNC
$43.62 -0.55% Close, Oct 2, 2026 · NASDAQ · Market cap $281.5M
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 9 quarters (average surprise over the last four: +13.4%).
- The shares trade at 11.3× trailing earnings, higher than 86% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 94 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth47Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 48%
- EPS growth (TTM, YoY)Bottom 34%
- FCF growth (TTM, YoY)Top 29%
- Revenue growth, 3-year CAGRBottom 48%
- Revenue growth accelerationBottom 48%
Quality72Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 20%
- Gross marginTop 32%
- Operating marginTop 37%
- Cash conversion (OCF / net income)Top 47%
- Accruals (lower is better)Bottom 47%
- Net debt / EBITDA (lower is better)Top 40%
- Interest coverTop 48%
Value69Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 27%
- Free-cash-flow yieldTop 41%
- EBITDA / enterprise valueTop 20%
- Sales / enterprise valueTop 33%
- P/E vs own 5-year history (lower is better)Bottom 19%
Momentum72Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 35%
- 6-month returnTop 22%
- 1-year return vs S&P 500Top 32%
- Distance from 52-week highTop 29%
- Trend checklist (0–4)Top 48%
Revisions88Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 19%
- Consecutive EPS beatsTop 11%
- Upside to consensus price targetBottom 44%
Stability31Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 40%
- Maximum drawdown, 3 yearsBottom 28%
- Beta vs S&P 500 (lower is better)Bottom 26%
- Net debt / EBITDA (lower is better)Top 40%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 6.5% | 6.0% | ↓ |
| EPS growth (YoY) | 12.4% | 5.8% | ↓ |
| Gross margin | 70.2% | 71.9% | ↑ |
| Operating margin | 27.2% | 26.9% | ↓ |
| FCF margin | 14.5% | 21.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 6.0% | 6.5% | ↓ | Bottom 48% |
| EPS growth (TTM, YoY) | 5.8% | 12.4% | ↓ | Bottom 34% |
| Gross margin | 71.9% | 70.2% | ↑ | Top 32% |
| Operating margin | 26.9% | 27.2% | ↓ | Top 37% |
| Net margin | 20.4% | 20.5% | ↓ | — |
| Free-cash-flow margin | 21.4% | 14.5% | ↑ | — |
| Return on invested capital | 8.0% | — | Top 20% | |
| Revenue growth, 3-year CAGR | 14.0% | — | Bottom 48% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.20×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +462.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.48×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.30%
- Net buyback yield (TTM)
- 0.78%
- Shareholder yield
- 3.08%
- Share count change, 1 year
- -0.7%
- Share count change, 3-year CAGR
- -1.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 9
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +13.4%
- Average 2-day reaction, last 8
- +1.2%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $49.50
- Target vs current price
- +13.5%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 20, 2026 | +7.6% | -1.6% | -1.7% | +0.1% | — |
| Apr 20, 2026 | +10.9% | -0.4% | +1.5% | -1.9% | +19.2% |
| Feb 4, 2026 | +14.6% | -1.3% | -2.8% | -9.1% | -6.4% |
| Oct 21, 2025 | +20.5% | +6.9% | +5.8% | +1.9% | +14.1% |
| Jul 21, 2025 | +9.5% | +2.7% | -2.1% | -0.9% | +1.4% |
| Apr 21, 2025 | +11.2% | +1.8% | +6.1% | +11.5% | +20.8% |
| Feb 5, 2025 | +10.5% | +1.9% | +26.6% | +2.2% | -8.4% |
| Oct 21, 2024 | +12.7% | -0.7% | -1.5% | +9.8% | +4.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 20, 2026 | $1.13 | $1.05 | +7.6% | $23.9M |
| Apr 20, 2026 | $1.02 | $0.92 | +10.9% | $23.3M |
| Feb 4, 2026 | $1.10 | $0.96 | +14.6% | $23.3M |
| Oct 21, 2025 | $1.07 | $0.89 | +20.5% | $22.5M |
| Jul 21, 2025 | $0.92 | $0.84 | +9.5% | $21.8M |
| Apr 21, 2025 | $0.89 | $0.80 | +11.2% | $20.9M |
| Feb 5, 2025 | $0.95 | $0.86 | +10.5% | $20.6M |
| Oct 21, 2024 | $0.89 | $0.79 | +12.7% | $20.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.3× | 8.8× | 86th | Top 27% |
| P/E (forward) | 9.8× | — | — | — |
| EV / EBITDA | 8.5× | — | — | Top 20% |
| EV / Sales | 2.43× | — | — | Top 33% |
| Free-cash-flow yield | 9.33% | — | — | Top 41% |
| Earnings yield | 8.85% | — | — | Top 27% |
P/E over the past five years
Range 3.6× – 13.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +19.7%
- Earnings per share growth (TTM)
- +5.8%
- Change in P/E multiple
- +21.7%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 94
- 50-day average slope (20 days)
- -0.7%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- -1.0%
- Distance from 200-day average
- +8.6%
- RSI (14)
- 49.6
- Relative volume
- 0.79×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.1%
- Volatility vs own 5-year history
- 34th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.92
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -5.5%
- Maximum drawdown, 3 years
- -37.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 28, 2022 | May 15, 2023 | -47.3% | 304 days | 160 days (Jan 3, 2024) |
| Feb 11, 2025 | Apr 7, 2025 | -37.8% | 38 days | 295 days (Jun 10, 2026) |
| Jan 3, 2024 | Jun 21, 2024 | -18.7% | 117 days | 17 days (Jul 17, 2024) |
| Mar 9, 2021 | Jul 19, 2021 | -18.4% | 91 days | 77 days (Nov 4, 2021) |
| Dec 5, 2024 | Jan 13, 2025 | -13.1% | 24 days | 17 days (Feb 6, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $281.5M
- P/E (TTM)
- 11.3
- EPS, diluted (TTM)
- $3.86
- Revenue (TTM)
- $123.0M
- Dividend yield
- 3.03%
- 52-week range
- $33.54 – $46.30
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $78.6M | $80.4M | $95.6M | $111.8M | $119.2M |
| Gross profit | $73.7M | $76.3M | $69.7M | $76.9M | $83.7M |
| Operating income | $26.3M | $33.2M | $19.5M | $27.2M | $32.5M |
| Net income | $19.8M | $25.0M | $15.1M | $20.6M | $24.5M |
| EPS (diluted) | $2.94 | $3.76 | $2.25 | $3.15 | $3.77 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $28.3M | $28.8M | $29.0M | $30.0M | $31.1M | $29.5M | $30.9M | $31.5M |
| Net income | $5.8M | $6.2M | $5.8M | $6.0M | $6.9M | $5.8M | $6.7M | $5.7M |
| EPS (diluted) | $0.89 | $0.95 | $0.89 | $0.92 | $1.07 | $0.89 | $1.03 | $0.87 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $20.0M | $26.5M | $22.5M | $22.3M | $19.4M |
| Capital expenditure | -$1.1M | -$3.6M | -$353,000 | -$1.9M | -$4.0M |
| Free cash flow | $18.9M | $23.0M | $22.1M | $20.4M | $15.4M |
| Dividends paid | -$3.9M | -$4.0M | -$5.2M | -$5.4M | -$6.0M |
| Net share buybacks | -$7.0M | $217,000 | -$1.2M | -$3.7M | $315,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $363.5M
- Total assets
- $2.08B
- Total liabilities
- $1.87B
- Total debt
- $101.2M
- Net debt
- $17.0M
- Shareholders’ equity
- $212.4M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 19, 2026 | $0.28 | Nov 2, 2026 |
| Jul 20, 2026 | $0.26 | Aug 3, 2026 |
| Apr 17, 2026 | $0.26 | May 1, 2026 |
| Jan 16, 2026 | $0.26 | Feb 2, 2026 |
| Oct 17, 2025 | $0.26 | Nov 3, 2025 |
| Jul 18, 2025 | $0.22 | Aug 1, 2025 |
| Apr 17, 2025 | $0.22 | May 1, 2025 |
| Jan 17, 2025 | $0.22 | Feb 3, 2025 |
Short interest
- Shares sold short
- 92,581
- Days to cover
- 4.30
- Change vs previous report
- +5.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 13, 1996
- 21-for-20
- Feb 9, 1994
- 3-for-2
- Jun 16, 1993
- 2-for-1