Stocktoria
FIRST UNITED CORP/MD/ FUNC
FIRST UNITED CORP/MD/ (FUNC) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.04% (safety: safe). FY2025 revenue was $18.4M at a 133.0% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FUNC | FIRST UNITED CORP/MD/ | 5/9 | — | 11.9 | +4% |
| DCBG | Dime Commercial Bancshares, Inc. /NY/ | 5/9 | — | — | +19% |
| CARE | Carter Bankshares, Inc. | 6/9 | — | 23.8 | +4.6% |
| SHBI | SHORE BANCSHARES INC | 4/9 | — | 13.1 | -0.3% |
| ASRV | AMERISERV FINANCIAL INC /PA/ | 4/9 | — | 11.8 | -6.3% |
| NKSH | NATIONAL BANKSHARES INC | 5/9 | — | 15.2 | — |
| WAFD | WAFD INC | 6/9 | — | 12.1 | +7.8% |
All Finance, Insurance & Real Estate companies →
About FIRST UNITED CORP/MD/
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 in the United States. It operates through Community Banking and Wealth Management segments. The company offers deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit (CD); and demand deposits. It also provides business and personal loans; commercial loans secured by real estate, commercial equipment, and vehicles or other assets of the borrower; residential mortgages; home equity lines of credit; real estate construction loans to builders and individuals for single-family dwellings; and consumer loans, including indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers brokerage; certificate of deposit account registry and IntraFi cash services; treasury management, cash sweep, and various checking opportunities; trust services, such as personal trust, investment agency accounts, charitable trusts, estate administration, and estate planning, as well as retirement accounts, including IRA rollovers, 401(k) accounts, and defined benefit plans; safe deposit and night depository facilities; and insurance products. Further, it provides online, mobile, and digital banking; debit and credit cards; business support; merchant services; remote deposit capture; positive pay; sweep and escrow accounts; check recovery and ordering; equipment loans; floorplan lending; mobile wallet and deposit; credit insights; personal finance; bill pay; CD and trust secured loans; boat and RV loans; and retirement planning services. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
FAQ
Is FUNC financially healthy?
FIRST UNITED CORP/MD/'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does FUNC pay a dividend, and is it safe?
Yes. FIRST UNITED CORP/MD/ pays a dividend yielding about 2.04% with a 24.3% payout ratio, rated “safe” for safety.
How profitable is FUNC?
In FY2025, FIRST UNITED CORP/MD/ had a net margin of 133.0% and a return on equity of 12.0%.
Is FUNC overvalued or undervalued?
FIRST UNITED CORP/MD/ trades at about 12.1× trailing earnings — above its 10-year norm (10-year range 5.2×–12.9×, median 10.2×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for FUNC?
The average Wall-Street price target for FIRST UNITED CORP/MD/ is $44.25, about 3.0% below the recent price, from 2 analysts.
Is FUNC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FIRST UNITED CORP/MD/: a Piotroski F-score of 5/9, a P/E of about 11.9×, a dividend yield of 2.04%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.