FUNC
First United Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+32/100
Last price
43.64
▲ 0.27 (0.62%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
43.62
Prev close
43.37
Day high
43.66
Day low
42.98
Volume
15.96K
Market cap
$281.65M
P/E (TTM)
11.36
52W range
33.54 – 46.30
Day trading desk
Gap from prior close
+0.58%
Prior close 43.37
VWAP
43.55
+0.22% from price
Relative volume
0.86×
Normal
Session range
1.59%
42.97 – 43.66
Position in range
97%
Near session high
ATR (14D)
1.34
3.06% of price
Prior day high
43.79
PDH
Prior day low
43.00
PDL
Bid / ask spread
—
Quote not published
Session volume
21.07K
Avg 24.46K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.51%
-1.4%
1M
-1.62%
-2.8%
3M
+0.41%
-4.1%
6M
+17.00%
-1.2%
YTD
+16.56%
+2.3%
1Y
+20.79%
+4.4%
3Y
+168.88%
+86.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FUNC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+3.77K
Net buying
Buy transactions
15
15.02K shares
Sell transactions
3
11.25K shares
Net transactions
+18
Buys less sells
Sell : buy shares
0.7 : 1
Mixed
Insider-held shares
503.98K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 3, 26 | RODEHEAVER CARISSA LYNN Retired |
BUY | 139 | $6.40K | Direct |
| Jul 28, 26 | FISHER ROBERT L. II Officer |
SELL | 5.25K | $237.77K | Direct |
| Jul 24, 26 | RUDY IRVIN ROBERT Director |
SELL | 1.00K | $44.58K | Direct |
| Jul 23, 26 | SANDERS KEITH Officer |
SELL | 5.00K | $218.40K | Direct |
| May 27, 26 | BOAL BRIAN R Director |
STOCK | 1.40K | $0 | Direct |
| May 27, 26 | BARR JOHN F Director |
STOCK | 1.00K | $0 | Direct |
| May 27, 26 | MILON PATRICIA Director |
STOCK | 1.00K | $0 | Direct |
| May 27, 26 | CHADHA SANU Director |
STOCK | 1.26K | $0 | Direct |
| May 27, 26 | DIPIETRO CHRISTY Director |
STOCK | 1.40K | $0 | Direct |
| May 27, 26 | MORAN BETH E. Director |
STOCK | 1.00K | $0 | Direct |
| May 27, 26 | HESSLER KEVIN R. Director |
STOCK | 1.40K | $0 | Direct |
| May 27, 26 | RUDY IRVIN ROBERT Director |
STOCK | 1.00K | $0 | Direct |
| May 27, 26 | WALLS H ANDREW III Director |
STOCK | 1.00K | $0 | Direct |
| May 7, 26 | RODEHEAVER CARISSA LYNN Director |
STOCK | 4.11K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BARR JOHN F |
Director | 30.90K | Stock Award(Grant) |
BOAL BRIAN R |
Director | 22.31K | Stock Award(Grant) |
DIPIETRO CHRISTY |
Director | 16.68K | Stock Award(Grant) |
MILON PATRICIA |
Director | 11.48K | Stock Award(Grant) |
MORAN BETH E. |
Director | 28.95K | Stock Award(Grant) |
RODEHEAVER CARISSA LYNN |
Retired | 50.05K | Purchase |
RUDY IRVIN ROBERT |
Director | 37.50K | Sale |
RUSH JASON BARRY |
Chief Executive Officer | 27.17K | Purchase |
STURM TONYA K |
Chief Financial Officer | 11.91K | Purchase |
WALLS H ANDREW III |
Director | 52.08K | Stock Award(Grant) |
Fundamentals
Market cap$281.65M
Enterprise value$297.63M
Revenue (TTM)$90.43M
Gross profit$90.43M
EBITDA—
Net income$25.05M
EPS (TTM)$3.84
Free cash flow—
Total cash$85.19M
Total debt$101.17M
Book value / share$32.91
Shares outstanding6.45M
Float5.94M
Short % of float1.56%
Dividend yield2.57%
Beta (5Y)0.51
Valuation & profitability ratios
Trailing P/E11.36
Forward P/E9.09
PEG ratio0.33
Price / sales—
Price / book1.33
EV / revenue3.29
EV / EBITDA—
Gross margin0.00%
Operating margin33.38%
Profit margin27.71%
Return on equity12.42%
Return on assets1.23%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $88.87M | $79.79M | $71.32M | $75.65M | +11.4% |
| Operating revenue | $88.87M | $79.79M | $71.32M | $75.65M | +11.4% |
| Selling, general & admin | $32.32M | $30.78M | $30.43M | $26.41M | +5.0% |
| Pre-tax income | $32.53M | $27.23M | $19.48M | $33.18M | +19.5% |
| Tax provision | $8.02M | $6.66M | $4.42M | $8.13M | +20.4% |
| Net income | $24.52M | $20.57M | $15.06M | $25.05M | +19.2% |
| Net income to common | $24.52M | $20.57M | $15.06M | $25.05M | +19.2% |
| Basic EPS | 3.78 | 3.15 | 2.25 | 3.77 | +20.0% |
| Diluted EPS | 3.77 | 3.15 | 2.24 | 3.76 | +19.7% |
| Basic shares | 6.49M | 6.53M | 6.65M | 6.64M | -0.6% |
| Diluted shares | 6.50M | 6.54M | 6.66M | 6.66M | -0.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $131.61M | $78.33M | $49.75M | $74.31M | +68.0% |
| Accounts receivable | $7.90M | $7.47M | $7.49M | $6.05M | +5.8% |
| Property, plant & equipment | $30.68M | $31.29M | $32.83M | $36.85M | -1.9% |
| Goodwill & intangibles | $11.44M | $11.77M | $12.10M | $12.43M | -2.8% |
| Total assets | $2.09B | $1.97B | $1.91B | $1.85B | +5.8% |
| Current debt | $0 | $50.00M | $0 | — | -100.0% |
| Long-term debt | $95.93M | $120.93M | $110.93M | $30.93M | -20.7% |
| Total debt | $97.11M | $172.31M | $112.48M | $33.30M | -43.6% |
| Total liabilities | $1.88B | $1.79B | $1.74B | $1.70B | +5.0% |
| Retained earnings | $207.28M | $189.00M | $173.90M | $166.34M | +9.7% |
| Shareholder equity | $203.63M | $179.29M | $161.87M | $151.79M | +13.6% |
| Net tangible assets | $192.19M | $167.52M | $149.77M | $139.36M | +14.7% |
| Shares issued | 6.50M | 6.47M | 6.64M | 6.67M | +0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $24.52M | $20.57M | $15.06M | $25.05M | +19.2% |
| Depreciation & amortisation | $3.06M | $3.79M | $4.92M | $3.65M | -19.3% |
| Stock-based compensation | $760.00K | $483.00K | $527.00K | $532.00K | +57.3% |
| Change in working capital | -$10.98M | -$1.76M | $1.30M | -$89.00K | -522.6% |
| Operating cash flow | $19.37M | $22.28M | $22.47M | $26.54M | -13.0% |
| Capital expenditure | -$3.97M | -$1.92M | -$353.00K | -$3.58M | -106.4% |
| Investing cash flow | -$48.01M | -$38.44M | -$81.71M | -$172.40M | -24.9% |
| Share buybacks | $0 | -$4.03M | -$1.50M | $0 | +100.0% |
| Dividends paid | -$5.97M | -$5.37M | -$5.22M | -$3.99M | -11.1% |
| Financing cash flow | $81.92M | $44.73M | $34.68M | $104.46M | +83.2% |
| Free cash flow | $15.40M | $20.36M | $22.12M | $22.97M | -24.3% |
| End cash position | $131.61M | $78.33M | $49.75M | $74.31M | +68.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $23.94M | $23.37M | $23.45M | $22.69M | $21.79M | +2.5% |
| Operating revenue | $23.94M | $23.37M | $23.45M | $22.69M | $21.79M | +2.5% |
| Selling, general & admin | $8.81M | $8.88M | $8.68M | $8.04M | $7.95M | -0.8% |
| Pre-tax income | $7.40M | $8.84M | $7.63M | $9.24M | $7.96M | -16.3% |
| Tax provision | $1.73M | $2.18M | $1.86M | $2.29M | $1.98M | -20.6% |
| Net income | $5.67M | $6.66M | $5.78M | $6.95M | $5.98M | -14.9% |
| Net income to common | $5.67M | $6.66M | $5.78M | $6.95M | $5.98M | -14.9% |
| Basic EPS | 0.88 | 1.03 | 0.89 | 1.07 | 0.92 | -14.6% |
| Diluted EPS | 0.87 | 1.03 | 0.89 | 1.07 | 0.92 | -15.5% |
| Basic shares | 6.45M | 6.48M | 6.50M | 6.50M | 6.49M | -0.5% |
| Diluted shares | 6.46M | 6.49M | 6.51M | 6.51M | 6.51M | -0.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $85.19M | $89.85M | $131.61M | $95.17M | $79.11M | — | -5.2% |
| Accounts receivable | $7.60M | $7.29M | $7.90M | $7.48M | $7.16M | — | +4.3% |
| Property, plant & equipment | $30.41M | $30.96M | $30.68M | $31.35M | $30.70M | — | -1.8% |
| Goodwill & intangibles | $11.28M | $11.36M | $11.44M | $11.53M | $11.61M | — | -0.7% |
| Total assets | $2.08B | $2.04B | $2.09B | $2.02B | $2.01B | — | +2.1% |
| Current debt | — | — | $0 | $0 | $29.14M | $0 | — |
| Long-term debt | $30.93M | $30.93M | $95.93M | $95.93M | $120.93M | — | 0.0% |
| Total debt | $31.94M | $32.02M | $97.11M | $97.08M | $151.30M | — | -0.3% |
| Total liabilities | $1.87B | $1.83B | $1.88B | $1.82B | $1.82B | — | +2.0% |
| Retained earnings | $216.26M | $212.25M | $207.28M | $203.20M | $197.94M | — | +1.9% |
| Shareholder equity | $212.37M | $205.26M | $203.63M | $199.10M | $191.15M | — | +3.5% |
| Net tangible assets | $201.09M | $193.90M | $192.19M | $187.57M | $179.54M | — | +3.7% |
| Shares issued | 6.45M | 6.45M | 6.50M | 6.50M | 6.49M | — | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $5.67M | $6.66M | $5.78M | $6.95M | $5.98M | -14.9% |
| Depreciation & amortisation | $775.00K | $758.00K | $659.00K | $781.00K | $810.00K | +2.2% |
| Stock-based compensation | $434.00K | -$109.00K | $172.00K | $93.00K | $440.00K | +498.2% |
| Change in working capital | -$2.91M | $6.67M | -$673.00K | -$3.44M | -$6.32M | -143.6% |
| Operating cash flow | $4.81M | $13.92M | $9.90M | $1.52M | $995.00K | -65.5% |
| Capital expenditure | -$146.00K | -$908.00K | -$1.75M | -$1.35M | -$289.00K | +83.9% |
| Investing cash flow | -$41.97M | -$4.39M | -$25.56M | $6.95M | -$26.21M | -856.0% |
| Share buybacks | -$371.00K | -$2.17M | $0 | $0 | $0 | +82.9% |
| Dividends paid | -$1.67M | -$1.69M | -$1.69M | -$1.43M | -$1.43M | +1.1% |
| Financing cash flow | $32.50M | -$51.29M | $52.10M | $7.59M | $19.89M | +163.4% |
| Free cash flow | $4.66M | $13.01M | $8.15M | $168.00K | $706.00K | -64.2% |
| End cash position | $85.19M | $89.85M | $131.61M | $95.17M | $79.11M | -5.2% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.05 | 1.13 | +7.6% |
| Mar 2026 | 0.92 | 1.02 | +10.9% |
| Dec 2025 | 0.96 | 1.10 | +14.6% |
| Sep 2025 | 0.89 | 1.07 | +20.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.16 | 1 | $24.54M | +7.9% |
| Next quarter | 1.19 | 1 | $25.27M | +8.8% |
| Current year | 3.33 | 2 | $97.17M | +9.6% |
| Next year | 4.80 | 1 | $103.10M | +6.1% |
Analyst targets & ownership
Mean target$50.00
High target$50.00
Low target$50.00
Implied upside14.57%
Analyst count2
ConsensusNONE
Strong buy / Buy1 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders7.81%
Held by institutions50.30%
Institutions holding130
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
43.39
+0.58% from price
SMA 20
43.71
-0.17% from price
SMA 50
44.00
-0.81% from price
SMA 100
42.93
+1.66% from price
SMA 200
40.21
+8.53% from price
EMA 12
43.54
+0.24% from price
EMA 26
43.65
-0.02% from price
EMA 50
43.59
+0.12% from price
RSI (14)
49.9
Neutral
MACD (12,26,9)
-0.11
Hist 0.01
ATR (14)
1.34
3.06% of price
Realised vol 30D
24.1%
Annualised
Bollinger upper
44.78
20, 2σ
Bollinger lower
42.65
20, 2σ
50 / 200 cross
Golden
44.00 vs 40.21
Trend bias
Above 200
+8.53%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.35
Less volatile than market
Correlation to SPY
0.17
Largely independent
Realised vol 30D
24.1%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.5%
Peak to trough
Max drawdown 5Y
-47.3%
Peak to trough
ATR 14
1.34
3.06% of price
Beta (reported)
0.51
5Y monthly, from filing
Short interest
Shares short
92.58K
Prior 90.28K
Change vs prior
+2.5%
Shorts adding
% of float
1.56%
Normal
% of shares out
1.43%
Against total outstanding
Days to cover
5.1
Crowded exit
Float
5.94M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 1, 26 | Raymond James | MAINTAINED | Outperform | Outperform |
| May 29, 26 | Hovde Group | INITIATED | — | Outperform |
| Jul 7, 22 | Raymond James | MAINTAINED | — | Outperform |
| Apr 26, 22 | Raymond James | MAINTAINED | — | Outperform |
| Feb 8, 22 | Raymond James | MAINTAINED | — | Outperform |
| May 27, 21 | Raymond James | INITIATED | — | Outperform |
Dividends & splits
Forward rate$1.12 / yr
Forward yield2.57%
5-year avg yield2.98%
Payout ratio25.91%
Ex-dividend dateOct 19, 2026
Next pay dateNov 2, 2026
Last split105:100
Split dateMar 13, 1996
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-29
Corporate Changes & Voting Matters
8-K · 2026-09-24
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-20
Corporate Changes & Voting Matters
8-K · 2026-06-22
Corporate Changes & Voting Matters
8-K/A · 2026-05-28
Corporate Changes & Voting Matters
8-K · 2026-05-11
Periodic Financial Reports
10-Q · 2026-05-08
Headlines
Why First United Corporation (FUNC) is a Great Dividend Stock Right Now
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How to Play First United Stock After Its Dividend Increase
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FIRST UNITED CORPORATION ANNOUNCES FOURTH QUARTER 2026 DIVIDEND
PR Newswire · 13d ago
Why First United Corporation (FUNC) is a Top Dividend Stock for Your Portfolio
Zacks · 23d ago
First United Corporation (FUNC) is a Top Dividend Stock Right Now: Should You Buy?
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This is Why First United Corporation (FUNC) is a Great Dividend Stock
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First United Corporation (FUNC) Could Be a Great Choice
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.