First United Corp. (FUNC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$47.30+3.14%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · FUNC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 4.8% |
| Our one-year growth estimate | diamond | -1.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 6.0 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
FUNC — earnings miss
Dated 2026-10-19
shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.
Why it matters: Q3 provision expense rose to $1.9 million, mainly due to loan growth and uncertainty. A larger rise may point to weaker credit quality.
Worry ifThe next quarterly provision for credit losses tops $1.9 million. Gross loan growth is no greater than Q3's reported growth.
Less concerning ifThe next quarterly provision is below $1.9 million, or stays at that level while gross loans grow more than in Q3.
Why it matters: Margin rose to 4.05% in Q3 from 3.98% in Q2. Another rise would show that loan yields and funding costs still help earnings.
Supportive ifNext quarterly FTE net interest margin is above 4.05%.
Worry ifNext quarterly FTE net interest margin falls below 3.98%.
Why it matters: The board declared a $0.28 cash dividend, up from $0.26 in Q1. The payment confirms the latest dividend plan.
Supportive ifFUNC pays $0.28 per share on November 2, 2026, as announced.
Worry ifFUNC delays, cuts, or cancels the announced $0.28 payment.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$100 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $222 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,388 loss on $10,000 · 13.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.