First United Corp (FUNC) stock
FUNCNasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Nov 3, 2026Score 13/3017% above fair value
$46.26+0.03 (+0.06%)
Close on Nov 11, 2026Market cap $298.55MP/E 12.0Yield 2.08%
First United statistics
96 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 3, 2027 (estimated, after the close)
- Last ex-dividend date
- Oct 19, 2026
- Fundamentals through
- Jun 30, 2026
- Share price as of
- Nov 11, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.41
- 1.52
- P/OCF Ratio
- 9.91
- 9.79
Enterprise valuationIndustry
- EV / Sales
- 3.03
- 2.95
- EV / FCF
- 10.87
- 8.53
Share statisticsIndustry
- Shares Change (YoY)
- 0.05%
- 0.35%
- Shares Change (QoQ)
- 0.11%
- 0.00%
- Float
- 6M
- 17M
- Shares Held by Insiders
- 4.57%
- 6.05%
- Shares Held by Institutions
- 49.5%
- 61.3%
Short sellingIndustry
- Short Interest
- 74,954
- –
- Short Interest Change
- -4.76%
- -4.13%
- Short % of Float
- 1.22%
- 3.58%
- Short % of Shares Outstanding
- 1.16%
- 3.18%
- Days to Cover
- 3.00
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $48.07
- –
- 52-Week Low
- $35.02
- –
- 20-Day Moving Average
- $45.46
- –
- 50-Day Moving Average
- $44.41
- –
- 200-Day Moving Average
- $41.10
- –
- Average True Range (14)
- $1.31
- –
- Price Change (1 Week)
- -2.20%
- -1.44%
- Price Change (1 Month)
- 4.92%
- 4.50%
- Price Change (3 Months)
- 0.17%
- -3.21%
- Price Change (6 Months)
- 24.9%
- 11.7%
- Price Change (YTD)
- 23.6%
- 19.9%
- Price Change (1 Year)
- 29.4%
- 26.3%
- Price Change (3 Years)
- 162.8%
- 77.8%
- Price Change (5 Years)
- 128.6%
- 26.4%
- Price Change (10 Years)
- 290.2%
- 68.6%
- Average Volume (10 Days)
- 20,049
- –
- Average Volume (20 Days)
- 24,470
- –
- Average Volume (90 Days)
- 26,489
- –
- Relative Volume
- 0.74
- 0.63
- Relative Strength Index (14)
- 56.2
- 53.3
- Volatility (1 Year)
- 26.3%
- 24.4%
- Beta (5 Years)
- 0.68
- 0.63
MarginsIndustry
- Pretax Margin
- 35.5%
- 36.9%
- FCF Margin
- 27.9%
- 33.6%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.4%
- 10.7%
- Return on Assets (ROA)
- 1.23%
- 1.15%
Financial positionIndustry
- Debt / Equity
- 0.33
- 0.21
- Debt / FCF
- 2.66
- 1.42
GrowthIndustry
- Revenue Growth (YoY)
- 11.4%
- 11.8%
- Net Income Growth (YoY)
- 5.51%
- 23.0%
- EPS Growth (YoY)
- 6.03%
- 21.9%
- FCF Growth (YoY)
- 54.0%
- 28.2%
- Revenue Growth (3Y CAGR)
- 4.48%
- 5.82%
- Revenue Growth (5Y CAGR)
- 5.68%
- 6.17%
- EPS Growth (3Y CAGR)
- 0.09%
- 1.31%
- EPS Growth (5Y CAGR)
- 13.9%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $272.06K
- $359.04K
- Profits Per Employee
- $73.05K
- $109.67K
- Employee Count
- 343
- 492
- WACC
- 7.69%
- 7.92%
Income statement (TTM)Industry
- Pretax Income
- $33.12M
- $74.28M
Balance sheetIndustry
- Net Cash (Debt)
- $15.96M
- $162.29M
- Net Cash Per Share
- $2.47
- $8.13
- Equity (Book Value)
- $212.37M
- $570.13M
- Book Value Per Share
- $32.91
- $28.27
- Tangible Book Value
- $212.37M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$4.15M
- -$4.28M
- FCF Per Share
- $4.03
- $3.31
Dividends and yieldsIndustry
- Earnings Yield
- 8.39%
- 8.25%
- FCF Yield
- 8.70%
- 9.17%
- Dividend Yield
- 2.08%
- 2.45%
- Buyback Yield
- -0.12%
- 1.79%
- Shareholder Yield
- 1.96%
- 3.21%
- Dividend Per Share
- $0.96
- $0.92
- Dividend Growth (YoY)
- 14.3%
- 4.26%
- Years of Dividend Growth
- 7
- 2
- Payout Ratio
- 25.9%
- 29.0%
- FCF Payout Ratio
- 24.9%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $8.06M
- $15.94M
- Effective Tax Rate
- 24.3%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $53.53
- $45.42
- Graham Upside
- 15.7%
- 18.7%
- Altman Z-Score
- 0.29
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $53.64
- –
- Lynch Upside
- 16.0%
- -0.72%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.
| Period | FUNC | S&P 500 | Difference | FUNC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +7.9% | -2.4% | +10.3 pts | ||
| 3 months | +2.6% | -1.2% | +3.7 pts | ||
| Year to date | +26.8% | +12.3% | +14.5 pts | ||
| 1 year | +31.1% | +12.4% | +18.6 pts | ||
| 3 years | +186.9% | +78.8% | +108.1 pts | +42.1% | +21.4% |
| 5 years | +173.7% | +75.2% | +98.6 pts | +22.3% | +11.9% |
| 10 years | +410.4% | +311.1% | +99.3 pts | +17.7% | +15.2% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M FUNC shares were sold short on Oct 30, 2026, down 4.8% from the previous report, or 1.22% of the shares available to trade. At recent volumes it would take 3.0 days to buy them back. Over the last 20 sessions, 52.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 74,954 | -4.8% | 24,969 | 3.0 |
| Oct 15, 2026 | 78,698 | -10.8% | 39,315 | 2.0 |
| Sep 30, 2026 | 88,234 | -4.7% | 37,361 | 2.4 |
| Sep 15, 2026 | 92,581 | +5.3% | 21,528 | 4.3 |
| Aug 31, 2026 | 87,961 | -2.6% | 14,907 | 5.9 |
| Aug 14, 2026 | 90,280 | +10.3% | 14,962 | 6.0 |
| Jul 31, 2026 | 81,822 | -11.4% | 31,669 | 2.6 |
| Jul 15, 2026 | 92,370 | +13.0% | 23,476 | 3.9 |
| Jun 30, 2026 | 81,742 | +69.3% | 37,024 | 2.2 |
| Jun 15, 2026 | 48,276 | -7.0% | 21,011 | 2.3 |
| May 29, 2026 | 51,932 | +18.3% | 16,664 | 3.1 |
| May 15, 2026 | 43,915 | -21.1% | 13,229 | 3.3 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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