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First united corporationFUNC.US Overview

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FUNC Recent Performance

1.45%

First united corporation

0.23%

Avg of Sector

-0.49%

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FUNC Profile

First United Corporation operates as the bank holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals. The company offers various deposit products, including checking accounts, savings and money market accounts, regular and individual retirement accounts (IRA) certificates of deposit, Christmas savings accounts, college savings accounts, and health savings accounts; Certificate of Deposit Account Registry Service program and Insured Cash Sweep program to municipalities, businesses, and consumers; and commercial customers packages, which include treasury management, cash sweep, and various checking opportunities. It also provides loans, such as commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings; residential mortgage loans; home equity lines of credit; residential real estate construction loans; and indirect and direct auto loans, student loans, term loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers various trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts that consist of IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning services; insurance products; brokerage services; and safe deposit and night depository facilities. It operates 26 banking offices, one customer care center, and 34 automated teller machines in Allegany, Frederick, Garrett, and Washington counties in Maryland; and in Mineral, Berkeley, Monongalia, and Harrison counties in West Virginia. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.

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This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

FUNC Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.90
PE Ratio (TTM)
9.76
Forward PE
5.27
PS Ratio (TTM)
2.79
PB Ratio
1.19
Price-to-FCF
14.35
METRIC
VALUE
vs. INDUSTRY
Gross Margin
91.18%
Net Margin
26.27%
Revenue Growth (YoY)
21.65%
Profit Growth (YoY)
10.92%
3-Year Revenue Growth
18.97%
3-Year Profit Growth
6.86%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.90
PE Ratio (TTM)
9.76
Forward PE
5.27
PS Ratio (TTM)
2.79
PB Ratio
1.19
Price-to-FCF
14.35
Gross Margin
91.18%
Net Margin
26.27%
Revenue Growth (YoY)
21.65%
Profit Growth (YoY)
10.92%
3-Year Revenue Growth
18.97%
3-Year Profit Growth
6.86%

  • When is FUNC's latest earnings report released?

    The most recent financial report for First united corporation (FUNC) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FUNC's short-term business performance and financial health. For the latest updates on FUNC's earnings releases, visit this page regularly.

  • Where does FUNC fall in the P/E River chart?

    According to historical valuation range analysis, First united corporation (FUNC)'s current price-to-earnings (P/E) ratio is 8.91, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of FUNC?

    According to the latest financial report, First united corporation (FUNC) reported an Operating Profit of 8.84M with an Operating Margin of 28.59% this period, representing a growth of 14.86% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is FUNC's revenue growth?

    In the latest financial report, First united corporation (FUNC) announced revenue of 30.93M, with a Year-Over-Year growth rate of 52.55%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does FUNC have?

    As of the end of the reporting period, First united corporation (FUNC) had total debt of 51.61M, with a debt ratio of 0.03. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does FUNC have?

    At the end of the period, First united corporation (FUNC) held Total Cash and Cash Equivalents of 89.85M, accounting for 0.04 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does FUNC go with three margins increasing?

    In the latest report, First united corporation (FUNC) achieved the “three margins increasing” benchmark, with a gross margin of 72.46%%, operating margin of 28.59%%, and net margin of 21.54%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FUNC's profit trajectory and future growth potential.

  • Is FUNC's EPS continuing to grow?

    According to the past four quarterly reports, First united corporation (FUNC)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.03. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of FUNC?

    First united corporation (FUNC)'s Free Cash Flow (FCF) for the period is 8.15M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 11.41% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of FUNC?

    The latest valuation data shows First united corporation (FUNC) has a Price-To-Earnings (PE) ratio of 8.91 and a Price/Earnings-To-Growth (PEG) ratio of 0.57. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.