First United Corp. (FUNC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$44.36+0.96%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -6.0% |
| Our one-year growth estimate | diamond |
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.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
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.
| -0.9% |
Growth built into the price is above our model estimate.
The price assumes 5.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
FUNC — dividend update
Dated 2026-06-22
Other Events. On June 17, 2026, First United Corporation (the “Corporation”) announced that its Board of Directors declared a cash dividend of $.26 per share that will be paid on August 3, 2026, to holders of record of the Corporation’s common stock as of the close of business on July 20, 2026. A copy of the Corporation’s announcement is filed as Exhibit 99.1 to this report and is incorporated herein by reference.
Why it matters: A strong net interest margin shows the bank is managing its pricing well. This supports future earnings growth.
Supportive ifNet interest margin reported above 3.90% for Q3 2026.
Worry ifNet interest margin falls below 3.90% for Q3 2026.
Why it matters: Economic signs can affect loan demand and overall results. They help understand future earnings.
Watch forGDP growth reported above 2% for Q2 2026.
Also watch forGDP growth reported below 1% for Q2 2026.
Why it matters: More net income means the company is making more money. It shows good control over costs and earnings.
Supportive ifNon-GAAP net income exceeds $7 million for Q3 2026.
Worry ifNon-GAAP net income falls below $6 million for Q3 2026.
Why it matters: This would signal a slowdown in revenue growth, which is a key priority for the company.
Worry ifQ2 revenue was below $25 million. This shows growth has stopped.
Less concerning ifQ2 revenue exceeds $25 million, showing continued growth.
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 | ±$101 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $245 loss on $10,000 · 2.4% | 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.
Why it matters: A steady dividend shows that the company is stable. It also shows a promise to give value back to shareholders.
Supportive ifDividend declared remains at $0.26 per share for Q3 2026.
Worry ifDividend is cut below $0.26 per share for Q3 2026.
Why it matters: Stable leaders can improve plans and boost investor trust in the company.
Supportive ifNo new executive changes happen within six months after the CEO change.
Worry ifNew executive changes happen within six months after the CEO change.
Why it matters: Sustaining revenue growth is crucial for long-term success. It affects investor sentiment.
Worry ifQ2 revenue growth exceeds 5% year over year.
Less concerning ifQ2 revenue growth falls below 5% year over year.
Why it matters: A drop in revenue growth would signal a slowdown in the financial sector. This could hurt investor confidence in First United Corp.
Worry ifRevenue growth falls below the median of the last three years.
Less concerning ifRevenue growth stays above the median of the last three years.
Why it matters: Strong loan production indicates demand and growth in the bank's lending capabilities. This could boost future earnings.
Supportive ifTotal loan production exceeds $100 million in Q3 2026.
Worry ifTotal loan production falls below $80 million in Q3 2026.