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FUNC · First United Corp/Md/

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$42.99 -0.36 (-0.83%) At close · Aug 21
Market Cap
$275.51M
Shares
6.45M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$43.35 Open$43.45 Day$43.35–43.65 52W close$34.02–46.18 Avg vol 30d24K Short int82K · 1.3% float · 2.6d Short vol65% DataJan 2020–Aug 2026 Filing10-Q · Aug 6

Up next

FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 6, 2026

Equibles Rating

blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Neutral Momentum Very Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Low
Market backdrop VIX 16 · calm Equity put/call 0.58
Technical
price trend
Neutral
50 / 200-day cross No cross
Price vs 200-day avg +10%
above
Price vs 50-day avg −2%
below
RSI (14) 42
neutral
MACD trend Negative
52-week position 77%
mid-range
Momentum
relative strength
Very Strong
1-month return −1%
trailing
6-month return +22%
trailing
YTD return +16%
this year
Relative strength +11%
vs S&P · 6-mo
Sentiment
smart money
Bullish
Trend (MA cross) No cross
50d $44 › 200d $39 — 50d above 200d
Institutional flow Accumulating
+1% holders QoQ · +9 funds added
Insider flow Distributing
Net -$488.1K over 90 days · 43% sells
Short interest Falling
1.27% of float · ▼ -11.4% MoM · 2.6 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
89 holders — near 3-yr high, broad support
Squeeze score 39
low risk · 0–100
Fundamentals
Excellent
Revenue growth +4%
Y/Y
EPS growth +20%
Y/Y
Free cash flow $15.4M
Valuation P/E 11
below peers
Balance sheet $18.0M
net cash
Quant / Vol
risk profile
Low
Volatility 28%
annualized · 1-yr
Max drawdown −14%
past year
ATR 2.5%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Neutral
1 · 4 · 1
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+10% Bullish
Price vs 50-day avg
−2% Neutral
RSI (14)
42 Neutral
MACD trend
Negative Bearish
52-week position
77% Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross) No cross
50d $44 › 200d $39 — 50d above 200d
Institutional flow Accumulating
+1% holders QoQ · +9 funds added
Insider flow Distributing
Net -$488.1K over 90 days · 43% sells
Short interest Falling
1.27% of float · ▼ -11.4% MoM · 2.6 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
89 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $34 Now $43 · 77% Range high $46
vs 200-day avg +10% vs 50-day avg -2%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
Adjusted basic earnings per share (non-GAAP) non-GAAP $1.14 Three months ended June 30, 2026 —
Adjusted diluted earnings per share (non-GAAP) non-GAAP $1.13 Three months ended June 30, 2026 —
Adjusted net income (non-GAAP) non-GAAP 7.32M Three months ended June 30, 2026 —
Adjusted return on average assets non-GAAP 1.36% Six months ended June 30, 2026 —
Allowance for credit losses to gross loans 1.31% As of June 30, 2026 —
Allowance for credit losses to non-accrual loans 456.16% As of June 30, 2026 —
Allowance for credit losses to non-performing assets 267.94% As of June 30, 2026 —
Commercial loan originations $66M Q2 2026 —
Earnings Per Share - Basic, as adjusted non-GAAP $2.16 2Q2026 —
Earnings Per Share - Diluted, as adjusted non-GAAP $2.15 2Q2026 —
Efficiency ratio - non-GAAP non-GAAP 57.49% Six months ended June 30, 2026 —
Net income, as adjusted non-GAAP $13.95M 2Q2026 —
Net interest margin (Non-GAAP), includes tax exempt income non-GAAP 3.89% Six months ended June 30, 2026 —
Net interest margin (tax equivalent) non-GAAP 3.89% 2Q2026 —
New commercial loan production $66M Q2 2026 —
New consumer mortgage loan production $33.9M Q2 2026 —
Pipeline of in-house, portfolio loans $20M As of June 30, 2026 —
Pre-Provision Net Revenue, as adjusted non-GAAP $20.03M 2Q2026 —
Return on average common stockholders' equity, as adjusted non-GAAP 13.48% 2Q2026 —
Return on average tangible common equity, as adjusted non-GAAP 14.26% 2Q2026 —
Tangible book value per basic common share non-GAAP $31.16 2Q2026 —
Tangible common equity to tangible assets non-GAAP 9.71% 2Q2026 —
Unfunded commitments related to residential construction loans $20.7M As of June 30, 2026 —
Unfunded committed commercial construction loans $42M Six months ended June 30, 2026 —
Return on Average Assets 1.29% the quarter ended March 31, 2026 —
Return on Average Equity 13.06% the quarter ended March 31, 2026 —
Net interest margin, on a non-GAAP, fully tax-equivalent basis non-GAAP 3.75% Q4 2025 —
Unfunded commercial construction loans 46.5M December 31, 2025 —

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
FUNC
First United Corp/Md/
this stock
$275.51M +15.8% +4.0% 11.0 1.3%
MFG
Mizuho Financial Group Inc
 $124.83B +38.4% — — 0.1%
HDB
Hdfc Bank Ltd
 $121.52B -36.1% +15.2% — 0.5%
IBN
Icici Bank Ltd
 $105.45B -0.4% — — 0.5%
CIXPF
CaixaBank/ADR
 $100.59B +18.7% — — 0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Accumulating
Holders
89
% held
48.6%
Net QoQ
+81.9K sh
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
111
View
Short & Settlement
Short Interest Falling
Shares short
81.8K
Days to cover
2.6d
Change
-10.5K sh
View
Short Volume
Short vol %
65%
As of
Aug 21, 2026
Short Total
View
Fails to Deliver
FTD shares
514
Value
$22.6K
As of
Jul 24, 2026
View
Off-Exchange
Off-exchange %
24.7%
Week of
Jul 13, 2026
Off-exch Lit
View
Smart Money
Insider Trades Cluster buy
Net (90d)
-$488.1K
Buyers / Sellers
4 / 3
Buyers Sellers
View
Financials
Financials
Revenue (FY)
$18.4M
Net income (FY)
$24.5M
EPS diluted
$3.77
View
Buybacks
Authorized
shares 360.7K
View
Filings
SEC Filings
Latest
10-Q
Filed
Aug 6, 2026
This year
18
View
Earnings & Events
Investor Relations
Latest news
FIRST UNITED CORPORATION ANNOUNCE…
Published
Jul 20, 2026
View

Performance

5D 20D 120D MTD YTD
FUNC -6.1% -1.3% +22.2% -1.8% +15.8%
SPY -2.0% +3.3% +11.2% +2.1% +11.8%
vs SPY -4.2% -4.7% +11.1% -3.9% +4.0%

Capital returns

Latest dividend
$0.26 / share · ex Jul 20, 2026
Raised 18.2%
Paid (TTM)
$1.04 / share · 4 payouts
Dividend yield (TTM, derived)
2.40%
Buyback program · as of Apr 16, 2021
Authorized
shares 360,737
Spent (derived)
—
Remaining
—

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 763907 CUSIP 33741H107 13F (30d) 84 filings 83 filers Visit website Investor relations

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