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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.
Source: TradingView
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
First United Corporation is a bank holding company that provides commercial and consumer banking and related financial services through its subsidiary. Its long-term growth may be supported by loan and deposit expansion, net interest margin trends, fee-income diversification and regional economic activity, which could appeal to investors seeking exposure to a locally focused banking franchise.
Key investment risks include credit losses from regional economic weakness, sensitivity to interest-rate cycles and margin compression, competitive and regulatory pressures, and geographic concentration.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 32.53M | 27.23M | 19.48M | 33.18M | 26.31M |
| Net income | 24.52M | 20.57M | 15.06M | 25.05M | 19.77M |
| Selling general administrative | 35.06M | 30.10M | 29.60M | 25.25M | 25.94M |
| Selling and marketing expenses | - | 0.67M | 0.83M | 0.54M | 0.54M |
| Gross profit | 83.70M | 76.87M | 69.75M | 41.85M | 40.97M |
| Reconciled depreciation | 3.06M | 3.79M | 3.78M | 3.65M | 3.43M |
| Ebit | - | 27.23M | 19.48M | 34.33M | 26.31M |
| Ebitda | 32.53M | 31.02M | 24.39M | 37.97M | 29.74M |
| Depreciation and amortization | - | 3.79M | 4.92M | 3.65M | 3.43M |
| Operating income | 32.53M | 27.23M | 19.48M | 34.33M | 26.31M |
| Other operating expenses | 86.65M | 84.57M | 76.13M | 34.38M | 47.35M |
| Interest expense | 32.73M | 32.02M | 24.29M | 4.79M | 5.71M |
| Tax provision | 8.02M | 6.66M | 5.95M | 8.13M | 6.54M |
| Interest income | 100.85M | 91.99M | 76.32M | 62.42M | 58.26M |
| Net interest income | 68.11M | 59.98M | 57.86M | 57.63M | 52.54M |
| Income tax expense | 8.02M | 6.66M | 4.42M | 8.13M | 6.54M |
| Total revenue | 119.18M | 111.80M | 95.61M | 75.68M | 73.66M |
| Total operating expenses | 51.17M | 49.64M | 50.27M | 0.54M | -47.35M |
| Cost of revenue | 35.48M | 34.93M | 25.86M | 33.84M | 32.69M |
| Total other income expense net | -0.23M | 7.41M | 5.01M | -1.14M | 5.59M |
| Net income from continuing ops | 24.52M | 20.57M | 20.27M | 25.05M | 19.77M |
| Net income applicable to common shares | - | - | - | 25.05M | 19.77M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 2087.45M | 1973.02M | 1912.68M | 1848.17M | 1729.84M |
| Intangible assets | - | 0.77M | 12.10M | 12.43M | 12.05M |
| Other current assets | -7.90M | 61.73M | 61.73M | - | 27.14M |
| Total liab | 1883.82M | 1793.73M | 1750.81M | 1696.38M | 1587.94M |
| Total stockholder equity | 203.63M | 179.29M | 161.87M | 151.79M | 141.90M |
| Other current liab | 453.77M | 1575.76M | 1341.47M | -91.14M | -15.79M |
| Common stock | 0.07M | 0.07M | 0.07M | 0.07M | 0.07M |
| Capital stock | 0.07M | 0.07M | 0.07M | 0.07M | 0.07M |
| Retained earnings | 207.28M | 189.00M | 173.90M | 166.34M | 145.49M |
| Other liab | - | - | - | - | 25.59M |
| Good will | 11.44M | 11.00M | 11.00M | 12.43M | 12.05M |
| Other assets | 1800.64M | 1740.99M | 0.00M | 1201.51M | 921.85M |
| Cash | 129.83M | 78.33M | 49.75M | 74.31M | 115.72M |
| Total current liabilities | 472.39M | 1641.66M | 1388.59M | 91.14M | 15.79M |
| Current deferred revenue | - | - | 0.72M | - | -41.91M |
| Net debt | -13.88M | 109.39M | 108.15M | 23.55M | -82.03M |
| Short term debt | 17.66M | 65.41M | 45.79M | 64.56M | 57.70M |
| Short long term debt | 0.00M | 50.00M | - | 64.56M | - |
| Short long term debt total | 115.95M | 187.72M | 157.90M | 97.87M | 33.69M |
| Other stockholder equity | 21.55M | 20.48M | 23.73M | 24.41M | 23.66M |
| Property plant equipment | - | - | - | 39.68M | 36.94M |
| Total current assets | 236.97M | 157.41M | 61.73M | 235.84M | 415.96M |
| Long term investments | 23.43M | 269.99M | 311.47M | 361.55M | 1198.59M |
| Net tangible assets | - | - | - | 139.36M | 129.85M |
| Short term investments | 107.14M | 71.61M | 97.17M | 125.89M | 286.77M |
| Net receivables | 7.90M | 7.47M | 7.49M | 35.63M | 13.47M |
| Long term debt | 95.93M | 120.93M | 110.93M | 30.93M | 30.93M |
| Inventory | - | - | 40.86M | 4.73M | 4.48M |
| Accounts payable | 0.95M | 0.49M | 0.61M | 26.58M | 15.79M |
| Accumulated other comprehensive income | -25.27M | -30.25M | -35.83M | -39.03M | -27.31M |
| Common stock total equity | - | - | - | 0.07M | 0.07M |
| Retained earnings total equity | - | - | - | 166.34M | 145.49M |
| Non currrent assets other | -1506.29M | 101.20M | 1780.96M | -10.61M | -6.86M |
| Non current assets total | 49.84M | 1815.61M | 1850.95M | 410.83M | 392.03M |
| Capital lease obligations | 1.18M | 1.38M | 1.56M | 2.37M | 2.76M |
| Long term debt total | - | - | - | 30.93M | 30.93M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -3.81M | -38.44M | -77.62M | -168.51M | -33.28M |
| Change to liabilities | - | - | - | -0.72M | 0.24M |
| Total cashflows from investing activities | -48.01M | -38.44M | -81.71M | -172.40M | -28.43M |
| Net borrowings | -72.75M | 29.99M | 60.85M | 6.87M | -61.46M |
| Total cash from financing activities | 81.92M | 44.73M | 34.68M | 104.46M | -25.31M |
| Change to operating activities | - | - | - | - | 0.24M |
| Net income | 24.52M | 20.57M | 15.06M | 25.05M | 19.77M |
| Change in cash | 53.28M | 28.57M | -24.56M | -41.41M | -33.71M |
| Begin period cash flow | 78.33M | 49.75M | 74.31M | 115.72M | 149.43M |
| End period cash flow | 131.61M | 78.33M | 49.75M | 74.31M | 115.72M |
| Total cash from operating activities | 19.37M | 22.28M | 22.47M | 26.54M | 20.02M |
| Issuance of capital stock | 0.32M | 0.29M | 0.27M | 0.22M | 0.21M |
| Depreciation | 2.87M | 3.79M | 4.92M | 3.65M | 3.43M |
| Other cashflows from investing activities | -38.11M | -77.80M | -131.22M | -0.32M | 5.98M |
| Dividends paid | 5.97M | 5.37M | 5.22M | 3.99M | 3.89M |
| Change to account receivables | -12.87M | 2.55M | -4.93M | 0.65M | -1.60M |
| Sale purchase of stock | 0.00M | -4.03M | -1.50M | 0.22M | -7.18M |
| Other cashflows from financing activities | 160.32M | 23.85M | -19.76M | 108.22M | 55.55M |
| Change to netincome | - | - | - | -0.77M | 1.27M |
| Capital expenditures | 3.97M | 1.92M | 0.35M | 3.58M | 1.13M |
| Change receivables | - | - | - | 0.65M | -1.60M |
| Cash flows other operating | - | - | - | -0.96M | -2.92M |
| Cash and cash equivalents changes | - | - | - | -41.41M | -33.71M |
| Change in working capital | -10.98M | -1.76M | 1.30M | -0.07M | -1.36M |
| Stock based compensation | 0.76M | 0.48M | 0.53M | 0.53M | 0.47M |
| Other non cash items | 2.79M | 0.02M | 1.56M | -3.20M | -2.84M |
| Free cash flow | 15.40M | 20.36M | 22.12M | 22.97M | 18.89M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FUNC First United Corporation |
-0.76 1.63% |
45.86 | 10.06 | 5.27 | 2.87 | 1.19 | 3.24 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.95 1.31% |
221.60 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.72 2.15% |
33.05 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
1.29 1.58% |
82.76 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
| Name | Title | Year Born |
|---|---|---|
| Ms. Carissa L. Rodeheaver CPA, CFP, CPA | Chairman, Pres & CEO | 1966 |
| Mr. Jason B. Rush | Sr. VP & COO | 1971 |
| Mr. Robert L. Fisher II | Sr. VP & Chief Revenue Officer | 1969 |
| Ms. Tonya K. Sturm | Sr. VP, CFO, Corp. Sec. & Treasurer | 1967 |
| Mr. Keith R. Sanders M.B.A. | Sr. VP & Chief Wealth Officer | 1970 |
| Ms. Carissa L. Rodeheaver CPA, CFP | Chairman, President & CEO | 1966 |
| Mr. Jason B. Rush | Senior VP & COO | 1971 |
| Mr. Robert L. Fisher II | Senior VP & Chief Revenue Officer | 1969 |
| Ms. Tonya K. Sturm | Senior VP, CFO, Corporate Secretary & Treasurer | 1967 |
| Mr. Keith R. Sanders M.B.A. | Senior VP & Senior Trust Officer | 1970 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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Basic Materials
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Communication Services
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Consumer Cyclical
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Consumer Defensive
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Energy
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Financial Services
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