FUNC · First United Corp/Md/

Track FUNC — free

$43.20 +0.46 (+1.06%) At close · Aug 27

Russell 2000 member Rebalance outlook locked

Market Cap

$278.81M

6.45M

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 Neutral Fundamentals Excellent Quant / Vol Low

Market backdrop VIX 14.5 · calm Equity put/call 0.39

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) 43

neutral

MACD trend Negative

52-week position 75%

mid-range

Momentum

relative strength

Very Strong

1-month return −1%

trailing

6-month return +20%

trailing

YTD return +15%

this year

Relative strength +5%

vs S&P · 6-mo

Sentiment

smart money

Neutral

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 Rising

1.40% of float · ▲ +10.3% MoM · 6.0 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

89 holders — near 3-yr high, broad support

Squeeze score 55

elevated · 0–100

Fundamentals

Excellent

Revenue growth +4%

Y/Y

EPS growth +20%

Y/Y

Free cash flow $15.4M

Valuation P/E 11.2

below peers

Balance sheet $18.0M

net cash

Quant / Vol

risk profile

Low

Volatility 27%

annualized · 1-yr

Max drawdown −14%

past year

ATR 2.7%

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)

43 Neutral

MACD trend

Negative Bearish

52-week position

75% Neutral

Market signals — smart money & positioning

Mixed

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 Rising

1.40% of float · ▲ +10.3% MoM · 6.0 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 · 75% 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
Basic net income per share - non-GAAP non-GAAP	$1.14	Three months ended June 30, 2026 filing	—
Adjusted basic earnings per share (non-GAAP) non-GAAP	$1.14	Three months ended June 30, 2026	—
GAAP → non-GAAP reconciliation GAAP Basic earnings per share - as reported $0.88 +$0 Gain on disposal of fixed assets +$0.26 Consulting fee on core processing contract = Adjusted basic earnings per share (non-GAAP) $1.14
Adjusted diluted earnings per share (non-GAAP) non-GAAP	$1.13	Three months ended June 30, 2026	—
GAAP → non-GAAP reconciliation GAAP Diluted earnings per share - as reported $0.87 +$0 Gain on disposal of fixed assets +$0.26 Consulting fee on core processing contract = Adjusted diluted earnings per share (non-GAAP) $1.13
Adjusted net income (non-GAAP) non-GAAP	7.32M	Three months ended June 30, 2026	—
GAAP → non-GAAP reconciliation GAAP Net income - as reported 5.67M +0K Gain on disposal of fixed assets +2.18M Consulting fee on core processing contract -527K Income tax effect of adjustments = Adjusted net income (non-GAAP) 7.32M
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	—
GAAP → non-GAAP reconciliation GAAP Earnings Per Share - Basic, as reported $1.91 +$0 Securities loss/(gain) +$0 Branch closure expenses +$0 OREO Writedown -$0.01 Gain/(loss) on Sale of Star City +$0.26 Consulting Fee = Earnings Per Share - Basic, as adjusted $2.16
Earnings Per Share - Diluted, as adjusted non-GAAP	$2.15	2Q2026	—
GAAP → non-GAAP reconciliation GAAP Earnings Per Share - Diluted, as reported $1.9 +$0 Securities loss/(gain) +$0 Branch closure expenses +$0 OREO Writedown -$0.01 Gain/(loss) on Sale of Star City +$0.26 Consulting Fee = Earnings Per Share - Diluted, as adjusted $2.15
Efficiency ratio - non-GAAP non-GAAP	57.49%	Six months ended June 30, 2026	—

Net income, as adjusted non-GAAP	$13.95M	2Q2026	—
GAAP → non-GAAP reconciliation GAAP Net income, as reported $12,330 +$0 Securities loss/(gain) +$0 Branch closure expenses +$0 OREO Writedown -$35 Gain/(loss) on Sale of Star City +$1,652 Consulting Fee = Net income, as adjusted $13,947
Net interest margin (Non-GAAP), includes tax exempt income non-GAAP	3.89%	Six months ended June 30, 2026	—
Net interest margin, on a non-GAAP, fully tax equivalent ("FTE") basis non-GAAP	3.98%	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	—
GAAP → non-GAAP reconciliation GAAP Pre-tax income, as reported $16,240 +$1,660 Provision expense +$0 Securities loss/(gain) +$0 Branch closure expenses +$0 OREO Writedown -$46 Gain/(loss) on Sale of Star City +$2,179 Consulting Fee = Pre-Provision Net Revenue, as adjusted $20,033
Provision expense	$0.8M	Q2 2026	—
Residential mortgage originations	$33.9M	Q2 2026	—

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	—
ACL to loans outstanding	1.31%	1Q2026	—
ADC / Total Capital	40%	1Q2026	—

ALL / ACL	1.31%	1Q2026	—
Allowance for credit losses (ACL)	$20M	first quarter of 2026	—
Branches	23	1Q2026	—
Common Equity Tier 1 to risk weighted assets	13.94%	March 31, 2026	—
Core ROAA non-GAAP	1.28%	1Q2026	—
Core ROATCE non-GAAP	13.75%	1Q2026	—
CRE / Total Capital	247%	1Q2026	—

Efficiency ratio non-GAAP	58.45%	first quarter of 2026	—

Loan to Deposit Ratio	87%	1Q2026	—

Net (charge-offs)/recoveries for the quarter	-$198K	Q1 2026	—
Net interest margin (Non-GAAP), includes tax exempt income of 57 and 49 non-GAAP	3.83%	Q1 2026	—
Net interest margin GAAP	3.82%	Q1 2026	—
Non-performing loans and 90 day past due loans to total loans	0.31%	March 31, 2026	—
Nonaccrual Loans / Total Loans	0.42%	1Q2026	—
Pre-Provision Net Revenue non-GAAP	$9.7M	1Q2026	—

Provision for credit losses	$0.9M	first quarter of 2026	—
Tier 1 to risk weighted assets	15.82%	March 31, 2026	—
Total risk based capital	17.07%	March 31, 2026	—
Trust & Brokerage Assets Under Management	$1.82B	1Q2026	—
Unfunded commercial construction loans	$43M	first quarter of 2026	—
ACL level	1.28%	Q4 FY2025	—
Available borrowing capacity	$485M	Q4 FY2025	—
Cost of Deposits	1.66%	2025	—
Diluted earnings per share, non-GAAP non-GAAP	$1.11	Q4 2025	—
Insured Deposits	$1,341,185,338	12/31/2025	—
Loans / Assets	73%	12/31/2025	—
Net Charge-Offs / Average Loans	0.28%	2025	—
Net Income, non-GAAP non-GAAP	7.2M	Q4 2025	—
NPAs / Total Assets	1.28%	2025	—
ROAA non-GAAP	1.28%	FY2025	—
ROATCE non-GAAP	14.25%	FY2025	—
The net interest margin	3.67%	the year ending December 31, 2025	—
Total Shareholder Return 1-Year	24.8%	As of December 31, 2025	—
Total Shareholder Return 3-Year	112.1%	As of December 31, 2025	—
Total Shareholder Return 5-Year	186.9%	As of December 31, 2025	—
Uninsured - Collateralized Deposits	$101,925,345	12/31/2025	—
Uninsured – Uncollateralized Deposits	$292,051,697	12/31/2025	—

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	$278.81M	+15.4%	+4.0%	11.2	1.4%
MFG Mizuho Financial Group Inc	$126.83B	+42.6%	—	—	0.1%
HDB Hdfc Bank Ltd	$115.38B	-38.5%	+15.2%	—	0.5%
CIXPF CaixaBank/ADR	$110.04B	+26.1%	—	—	0.1%
IBN Icici Bank Ltd	$107.15B	+0.2%	—	—	0.7%

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

% held: 48.6%
Net QoQ: +81.9K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

112

View

Short & Settlement

Short Interest Rising

Shares short

90.3K

Days to cover: 6.0d
Change: +8.5K sh

View

Short Volume

Short vol %

49%

As of: Aug 28, 2026

Short Total

View

Fails to Deliver

FTD shares

514

Value: $22.6K
As of: Jul 24, 2026

View

Off-Exchange

Off-exchange %

38.0%

Week of: Jul 20, 2026

Off-exch Lit

View

Smart Money

Insider Trades Cluster buy

Net (90d)

-$488.1K

Buyers / Sellers: 4 / 3

Buyers Sellers

View

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

Performance

	5D	20D	120D	MTD	YTD
FUNC	-0.4%	-1.5%	+19.7%	-2.1%	+15.4%
SPY	+1.1%	+4.0%	+14.7%	+3.2%	+13.1%
vs SPY	-1.5%	-5.4%	+5.0%	-5.4%	+2.3%

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)

2.41%

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) 79 filings 79 filers Visit website Investor relations

FUNC · First United Corp/Md/

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns