First United Corporation (FUNC) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First United Corporation (FUNC) trades at $44.64 with AI Score 91/100 (Grade A+). First United Corporation is a regional bank holding company providing a range of retail and commercial banking services. Market cap: $288M, Sector: Financial services.
Price as of Jul 20, 2026 · Last analyzed: May 10, 2026Analyst Coverage for FUNC: FUNC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FUNC against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
FUNC: 1/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
First United Corporation (FUNC) Financial Services Profile
First United Corporation stands out in the regional banking sector by offering a diverse suite of retail and commercial banking services, emphasizing personalized customer service and a strong community presence across Maryland and West Virginia.
What Is the Investment Thesis for FUNC?
First United Corporation presents a robust investment thesis characterized by a market capitalization of $288M and a P/E ratio of 10.1, indicating potential value relative to earnings. The company's profit margin stands at an impressive 20.9%, reflecting efficient operations and effective cost management. Growth catalysts include the expansion of its commercial lending portfolio and the introduction of innovative deposit products tailored to customer needs. Additionally, the bank's strong dividend yield of 2.61% provides a steady income stream, appealing to income-focused investors. First United's focus on digital transformation and enhancing customer experience positions it well to capture market share in an increasingly competitive landscape. However, potential risks include economic fluctuations affecting loan performance and regulatory changes impacting operational costs.
Based on FMP financials and quantitative analysis
FUNC Key Highlights
- Market capitalization of $288M indicates a stable regional banking presence.
- P/E ratio of 10.1 suggests potential undervaluation compared to industry peers.
- Profit margin of 20.9% showcases effective cost management and operational efficiency.
- Dividend yield of 2.61% provides a consistent income stream for investors.
- Gross margin of 71.0% reflects strong profitability from banking operations.
Who Are FUNC's Competitors?
FUNC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FULT Fulton Financial Corporation | $24.54 | -1.01% | $4.69B | 87 |
| STT State Street Corporation | $182.69 | +0.10% | $50.6B | 35 |
| PBCT People's United Financial, Inc. | $19.41 | +0.00% | 48 | |
| CZFS Citizens Financial Services, Inc. | $71.58 | -2.77% | $344M | 92 |
| BCML BayCom Corp | $33.89 | -0.24% | $370M | 92 |
| FNLC The First Bancorp, Inc. | $34.36 | -0.43% | $387M | 92 |
| PKBK Parke Bancorp, Inc. | $32.74 | -1.03% | $388M | 93 |
| PCB PCB Bancorp | $29.59 | -0.74% | $421M | 93 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FUNC's Key Strengths?
- Strong profit margins and operational efficiency.
- Established brand recognition and customer loyalty.
- Diverse product offerings catering to various market segments.
What Are FUNC's Weaknesses?
- Limited geographic presence compared to larger banks.
- Dependence on local economic conditions for growth.
- Potential challenges in scaling digital banking initiatives.
What Could Drive FUNC Stock Higher?
- Launch of new digital banking platform aimed at enhancing customer experience.
- Expansion of commercial lending services to capture a larger market share.
- Implementation of community engagement initiatives to strengthen local ties.
What Are the Key Risks for FUNC?
- Financial-distress signal — its Altman Z-Score of -0.45 sits in the distress zone (elevated bankruptcy risk).
- Economic fluctuations that could impact loan performance.
- Regulatory changes affecting operational costs and compliance.
- Increased competition from fintech companies and larger banks.
What Are the Growth Opportunities for FUNC?
- Expansion of Commercial Lending: First United Corporation aims to grow its commercial lending portfolio, targeting small to medium-sized businesses in Maryland and West Virginia. The regional commercial lending market is projected to reach $150 billion by 2028, providing a significant opportunity for growth. By enhancing its offerings and streamlining the application process, the bank can attract more business clients and increase its market share.
- Digital Banking Transformation: The bank is investing in digital banking technologies to enhance customer experience and streamline operations. With the digital banking sector expected to grow at a CAGR of 10% over the next five years, First United's focus on improving its online and mobile banking platforms positions it to capture a larger share of tech-savvy customers, particularly younger demographics.
- Trust and Wealth Management Services: Expanding its trust and wealth management services presents a lucrative opportunity for First United Corporation. The U.S. wealth management market is projected to exceed $50 trillion by 2027. By offering tailored investment and estate planning solutions, the bank can attract high-net-worth individuals and families, thereby increasing its fee-based revenue.
- Community Engagement Initiatives: First United's commitment to community engagement through local sponsorships and financial literacy programs can enhance its brand loyalty and customer retention. As consumers increasingly favor banks that contribute positively to their communities, these initiatives can drive customer growth and deepen relationships with existing clients.
- Cross-Selling Financial Products: Leveraging its existing customer base, First United Corporation has the opportunity to cross-sell additional financial products such as insurance and brokerage services. By integrating these offerings into its banking services, the bank can increase customer lifetime value and enhance overall profitability.
What Opportunities Does FUNC Have?
- Growth in commercial lending and digital banking.
- Expansion of wealth management services.
- Increased community engagement and brand loyalty.
What Threats Does FUNC Face?
- Intense competition from larger regional and national banks.
- Regulatory changes impacting banking operations.
- Economic downturns affecting loan performance and credit quality.
What Are FUNC's Competitive Advantages?
- Strong community presence fosters customer loyalty and trust.
- Diverse range of financial products caters to various customer needs.
- Established reputation and history in the banking sector since 1900.
What Does FUNC Do?
First United Corporation, founded in 1900, serves as the bank holding company for First United Bank & Trust, headquartered in Oakland, Maryland. The company provides a comprehensive array of banking services aimed at both retail and commercial customers. Its offerings include various deposit products such as checking accounts, savings accounts, money market accounts, and a range of certificates of deposit, including IRA options. The bank also caters to commercial clients with tailored packages that include treasury management and cash sweep services. On the lending side, First United Corporation extends a variety of loans, including commercial real estate loans, residential mortgages, and personal loans, ensuring a broad spectrum of financial solutions. The company also provides trust services, insurance products, and brokerage services, reinforcing its commitment to holistic financial management. With 26 banking offices and a customer care center, along with 34 ATMs in Maryland and West Virginia, First United Corporation maintains a strong local presence, enabling it to foster close relationships with its clients. Over the years, the company has adapted to the evolving financial landscape while remaining focused on community engagement and customer satisfaction, positioning itself as a reliable banking partner in the region.
What Products and Services Does FUNC Offer?
- Provide a variety of retail banking services including checking and savings accounts.
- Offer commercial banking services tailored to businesses, including treasury management.
- Extend loans for commercial, residential, and personal purposes.
- Deliver trust and investment services for wealth management.
- Facilitate insurance and brokerage services to enhance financial offerings.
- Operate multiple banking offices and ATMs across Maryland and West Virginia.
How Does FUNC Make Money?
- Generate revenue through interest income from loans and mortgages.
- Earn fees from deposit account services and treasury management.
- Provide investment and trust services for additional fee income.
- Collect commissions from insurance and brokerage services.
What Industry Does FUNC Operate In?
The regional banking sector is characterized by its focus on community-oriented services, with a growing emphasis on digital banking solutions. As of 2026, the U.S. regional banking market is projected to grow steadily, driven by increasing consumer demand for personalized banking experiences and competitive interest rates. First United Corporation operates within this landscape, leveraging its local presence and established customer relationships to differentiate itself from larger national banks. The competitive landscape includes both traditional banks and emerging fintech companies, which are reshaping customer expectations and service delivery.
Who Are FUNC's Key Customers?
- Individuals seeking personal banking solutions and financial products.
- Small to medium-sized businesses requiring commercial banking services.
- High-net-worth individuals needing wealth management and trust services.
Company Profile
First United Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oakland, US. The company is led by CEO Jason Rush. FUNC has traded publicly since 1992.
How First United Corporation Is Valued
Relative to its peer group, FUNC's quantitative score of 91/100 is above the peer average of 71/100.
F-Score 8/9Financial Health
First United Corporation's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.45 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project First United Corporation revenue of about $95.7M for fiscal 2026, with EPS near $4.34.
FUNC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future prospects, indicating that leadership believes in the growth potential.
- Community sentiment has shifted positively, with discussions highlighting the company's strong local presence and community engagement.
- Investors are optimistic about the company's recent strategic initiatives aimed at expanding its market share and enhancing customer service.
- Analysts have noted improvements in operational efficiency, which could lead to better profitability in the coming quarters.
Bear Case
- Some investors express concerns about the competitive landscape, particularly from larger banks that could impact First United's market position.
- Recent economic indicators have raised questions about consumer spending, which could affect the bank's loan growth and overall performance.
- There are mixed feelings within the community regarding the sustainability of the recent positive sentiment, with some cautioning against over-optimism.
- The company's reliance on regional markets may pose risks if economic conditions in those areas worsen, leading to potential volatility.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
FUNC Latest News
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Exploring 3 Undervalued Small Caps With Insider Activity Across Various Regions
Yahoo! Finance: FUNC News · May 21, 2026
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Stocks That Hit 52-Week Highs On Friday
· Sep 6, 2019
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Stocks That Hit 52-Week Highs On Thursday
· Sep 5, 2019
FUNC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FUNC.
Price Targets
Wall Street price target analysis for FUNC.
FUNC MoonshotScore
What does this score mean?
The MoonshotScore rates FUNC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Jason Rush
CEO
Jason Rush has a proven track record in the banking industry, having held various leadership roles over his career. He holds a degree in Finance from a reputable university and has been instrumental in driving First United Corporation's strategic initiatives and operational efficiencies. His extensive experience in banking operations and customer service has positioned him as a key leader in the organization.
Track Record: Under Jason Rush's leadership, First United Corporation has achieved significant milestones, including the expansion of its loan portfolio and enhancements in customer service delivery. He has focused on integrating technology into banking operations to improve efficiency and customer satisfaction.
Common Questions About FUNC (Financial Services)
What does the AI Score mean for FUNC?
FUNC holds an AI Score of 91/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. First United Corporation is a regional bank holding company providing a range of retail and commercial banking services. Founded in 1900, it operates primarily in Maryland and West Virginia …
How does First United Corporation make money in financial services?
First United Corporation generates revenue primarily through interest income from loans and mortgages, which constitutes a significant portion of its earnings. Additionally, the bank earns fees from various deposit account services and treasury management solutions. The company also provides investment and trust services, contributing to its fee-based income, alongside commissions from insurance and brokerage services.
How is First United Corporation adapting to fintech disruption?
First United Corporation is actively investing in digital banking technologies to enhance its service offerings and improve customer experience. This includes developing a new digital banking platform that aims to streamline transactions and provide users with a more intuitive interface. By embracing technology, the bank seeks to compete effectively against fintech challengers and meet the evolving expectations of its customers.
What are the main risks for FUNC?
First United Corporation faces several risks, including economic fluctuations that may adversely affect loan performance and increase default rates. Additionally, ongoing regulatory changes could impose higher operational costs and compliance burdens. The bank also contends with intense competition from both traditional banks and emerging fintech firms, which could pressure its market share and profitability.
What are the key factors to evaluate for FUNC?
First United Corporation (FUNC) holds an AI score of 91/100 (high). P/E: 10.1x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FUNC data refresh on this page?
FUNC's price was last updated on Jul 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FUNC's recent stock price performance?
First United Corporation (FUNC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margins and operational efficiency. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FUNC overvalued or undervalued right now?
First United Corporation (FUNC) trades at 10.1x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FUNC before investing?
Before investing in First United Corporation (FUNC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on the latest available information as of May 2026.