First United Corp. (FUNC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$45.68-3.42%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · FUNC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Management’s strategic focus on margin management during the third quarter of 2026 resulted in a 7 basis point increase in the net interest margin to 4.05% compared to 3.98% for the second quarter of…
Stated in 3 of 3 supplied quarters. Management reported: “Management’s strategic focus on margin management during the third quarter of 2026 resulted in a 7 basis point increase in the net interest margin to 4.05% compared to 3.98% for the second quarter of 2026.” “The net interest margin for the nine months ended September 30, 2026 was 3.94% compared to 3.64% for the nine months ended September 30, 2025.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Management’s strategic focus on margin management during the third quarter of 2026 resulted in a 7 basis point increase in the net interest margin to 4.05% compared to 3.98% for the second quarter of…”
“Management’s strategic focus on margin management during the second quarter of 2026 resulted in a 15 basis point increase in the net interest margin to 3.98% compared to 3.83% for the first quarter o…”
“Management’s strategic focus on margin management during the first quarter of 2026 resulted in an 8 basis point increase in the net interest margin to 3.83% as compared to 3.75% for the fourth quarte…”
New commercial loan production for the third quarter of 2026 was approximately $115.0 million.
Stated in 3 of 3 supplied quarters. Management reported: “New commercial loan production for the third quarter of 2026 was approximately $115.0 million.” “The pipeline of commercial loans as of September 30, 2026 was $138.0 million and unfunded committed commercial construction loans totaled approximately $37.0 million.”
“New commercial loan production for the third quarter of 2026 was approximately $115.0 million.”
“New commercial loan production for the second quarter of 2026 was approximately $66.0 million.”
“New commercial loan production for the three months ended March 31, 2026 was approximately $98.0 million.”
All other expenses were stable when comparing the third quarter of 2026 to the second quarter of 2026 as we continue a strategic focus on expense control.
Stated in 3 of 3 supplied quarters. Management reported: “All other expenses were stable when comparing the third quarter of 2026 to the second quarter of 2026 as we continue a strategic focus on expense control.” “Third Quarter 2026 Compared to Second Quarter 2026 Other operating expenses decreased by $2.0 million driven by the one-time, $1.7 million, net of tax, consulting fee incurred with core contract negotiations in the second quarter.”
“All other expenses were stable when comparing the third quarter of 2026 to the second quarter of 2026 as we continue a strategic focus on expense control.”
“All other expenses were stable when comparing the second quarter of 2026 to the first quarter of 2026 as we continue a strategic focus on expense control.”
“Our focus on operational efficiency and prudent risk management continues to yield results, positioning us well as we enter 2026 with positive momentum.””
[/TABLE] [TABLE] · | A cash dividend of $0.28 per share was declared in the third quarter.
Stated in 3 of 3 supplied quarters. Management reported: “Consolidated net income was $7.2 million on a Generally Accepted Accounting Principles (“GAAP”) basis for the third quarter of 2026, or $1.11 per diluted share, compared to $6.9 million, or $1.07 per diluted share, for the third quarter of 2025 and $5.7 million, or $0.88 per diluted share, for the second quarter of 2026.” “Consolidated net income was $7.2 million on a Generally Accepted Accounting Principles (“GAAP”) basis for the third quarter of 2026, or $1.11 per diluted share, compared to $6.9 million, or $1.07 per diluted share, for the third quarter of 2025 and $5.7 million, or $0.88 per diluted share, for the second quarter of 2026.”
“[/TABLE] [TABLE] · | A cash dividend of $0.28 per share was declared in the third quarter.”
“[/TABLE] [TABLE] · | A cash dividend of $0.26 per share was declared in the second quarter.”
“· A cash dividend of $0.26 per common share was declared in the first quarter.”
Continue robust commercial and residential loan originations with a strong pipeline to support future growth.
Over the trailing year it converted 1.60x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to long-term interest rates, real (inflation-adjusted) rates, the US dollar, Fed net liquidity (low R² over the window).
18 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.