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First United Corporation

corporate_fare Company Profile

First United Corporation

FUNC·NASDAQ·Finance·CIK 0000763907

The Corporation serves as the parent company for First United Bank & Trust, a Maryland trust company. It also oversees First United Statutory Trust I and First United Statutory Trust II, both Connecticut statutory business trusts, which were established to sell trust preferred securities that qualify as Tier 1 capital. First United Bank & Trust has two consumer finance company subsidiaries, OakFirst Loan Center, Inc. (a West Virginia corporation) and OakFirst Loan Center, LLC (a Maryland limited liability company). Additionally, it owns First OREO Trust, a Maryland statutory trust used to hold real estate acquired through foreclosure or deed in lieu of foreclosure. The Bank also holds 99.9% of the limited partnership interests in Liberty Mews Limited Partnership, a Maryland limited partnership focused on acquiring, developing, and operating low-income housing units in Garrett County, Maryland. It also has a 99.9% non-voting membership interest in MCC FUBT Fund, LLC, an Ohio limited liability company involved in acquiring, developing, and operating low-income housing units in Allegany County, Maryland, and Mineral County, West Virginia. As of December 31, 2025, the Corporation reported total assets of $2.1 billion, net loans of $1.5 billion, and deposits of $1.7 billion. Shareholders' equity on the same date was $203.6 million. First United Bank & Trust operates 23 banking offices, one customer service center, and 30 Automated Teller Machines (ATMs) across Allegany County, Frederick County, Garrett County, and Washington County in Maryland, and in Mineral County, Berkeley County, and Monongalia County in West Virginia.

First United Corporation (NASDAQ:FUNC) is a publicly traded company in the Finance sector. Wiseek has independently scored 20 items for FUNC at importance 7 or higher on its 1–10 market-impact scale. Its most recent item scored 7 or higher is dated 2026-08-06, rated 8/10. Across its 20 most recent items scored 7 or higher, the top rating is 8/10, with 8 rated 8 or above. Recent SEC coverage for FUNC spans 10-Q, 8-K, DEFA14A, DEF 14A.

Recent high-impact activity:

  • FIRST UNITED CORP Reports Strong Q2 Net Interest Income & Margin, Repays $65M Debt
  • First United Q2 Earnings Dip on One-Time Charge, but Core NIM Climbs to 3.98%
  • First United Q2 GAAP EPS Misses at $0.87, But Core Earnings Hit $1.13
  • First United Corp Declares $0.26 Cash Dividend for Q3 2026
  • CEO Jason B. Rush Appointed Chairman of the Board, Consolidating Leadership

Financial Snapshot

Fiscal year ended December 31, 2025
Revenue
$18.43M
Net Income
$24.52M
Diluted EPS
$3.77
Op. Cash Flow
$19.37M
Free Cash Flow
$15.4M
Cash & Equivalents
$131.61M
Total Debt
$113.59M
Debt / Equity
0.56×
Net Margin
133.0%
Shares Outstanding
6.5M sh
Source: 10-K · filed 2026-03-10 · accession 0001104659-26-025836

Short Interest & Short Volume

4.30 days to cover

FINRA reported short interest of 92,581 shares in FUNC as of the September 15, 2026 settlement, a 5.3% increase from the prior period — about 4.3 days to cover at its recent average daily volume. On October 2, 2026, 49.3% of FUNC volume reported to FINRA trade-reporting facilities was marked short.

Short interest (bi-monthly positions)92,581 shares as of September 15, 2026
Change vs prior period▲ 5.3%
Days to cover4.30 at avg daily volume of 21,528
Daily short volume (FINRA facilities)49.3% of 3,074 shares on October 2, 2026
5-day average short volume57.3%

Daily short sale volume covers trades reported to FINRA trade-reporting facilities and is not the same as short interest (bi-monthly reported positions). Source: FINRA — FINRA is the owner and source of this short interest and short sale volume data; it may not be redistributed.

Dilution Risk

Low risk

Filing-implied dilution signals for FUNC, detected from its recent SEC filings · based on capital-structure filings through 2026-04-16.

1 recent capital raise

⚠ A more recent filing has been published for this ticker since this signal was computed; it may not yet be reflected — see the filings below.

A filing-implied signal, not a realized share count. How Wiseek tracks dilution →

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$43.62
52-week range · as of 2026-08-06 $31.71 – $46.3
Market cap
$281.52M
Volume
24.4K (0.9× avg)
3-mo avg 26.1K
Live data · 2026-10-05 02:47 UTC · Market closed

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feed FUNC - Latest Insights

FUNC
Aug 06, 2026, 5:16 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $45.30
Real-time Price: $43.62 info
Change: -$1.68 (-4%) info
Market Cap: $281.516M info
FUNC
Jul 20, 2026, 4:21 PM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $44.27
Real-time Price: $43.62 info
Change: -$0.650 (-1%) info
Market Cap: $281.516M info
FUNC
Jul 20, 2026, 4:16 PM EDT
Source: PR Newswire
Importance Score:
7
Price at Filing: $44.27
Real-time Price: $43.62 info
Change: -$0.650 (-1%) info
Market Cap: $281.516M info
FUNC
Jun 18, 2026, 9:16 PM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $42.58
Real-time Price: $43.62 info
Change: +$1.04 (+2%) info
Market Cap: $281.516M info
FUNC
May 28, 2026, 4:13 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $39.00
Real-time Price: $43.62 info
Change: +$4.62 (+12%) info
Market Cap: $281.516M info
FUNC
May 11, 2026, 4:10 PM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $37.27
Real-time Price: $43.62 info
Change: +$6.35 (+17%) info
Market Cap: $281.516M info
FUNC
May 08, 2026, 4:07 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $38.30
Real-time Price: $43.62 info
Change: +$5.32 (+14%) info
Market Cap: $281.516M info
FUNC
May 07, 2026, 9:23 AM EDT
Source: Wiseek News
Importance Score:
8
Price at Filing: $37.51
Real-time Price: $43.62 info
Change: +$6.11 (+16%) info
Market Cap: $281.516M info
FUNC
May 07, 2026, 9:22 AM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $37.51
Real-time Price: $43.62 info
Change: +$6.11 (+16%) info
Market Cap: $281.516M info
FUNC
Apr 21, 2026, 6:02 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $37.48
Real-time Price: $43.62 info
Change: +$6.14 (+16%) info
Market Cap: $281.516M info
FUNC
Apr 20, 2026, 4:46 PM EDT
Source: Reuters
Importance Score:
8
Price at Filing: $37.48
Real-time Price: $43.62 info
Change: +$6.14 (+16%) info
Market Cap: $281.516M info
FUNC
Mar 25, 2026, 4:15 PM EDT
Filing Type: DEFA14A
Importance Score:
7
Price at Filing: $36.70
Real-time Price: $43.62 info
Change: +$6.92 (+19%) info
Market Cap: $281.516M info
FUNC
Mar 25, 2026, 4:11 PM EDT
Filing Type: DEF 14A
Importance Score:
7
Price at Filing: $36.70
Real-time Price: $43.62 info
Change: +$6.92 (+19%) info
Market Cap: $281.516M info
FUNC
Mar 13, 2026, 4:28 PM EDT
Filing Type: PRE 14A
Importance Score:
7
Price at Filing: $35.86
Real-time Price: $43.62 info
Change: +$7.76 (+22%) info
Market Cap: $281.516M info
FUNC
Mar 11, 2026, 5:53 PM EDT
Source: Wiseek News
Importance Score:
7
Price at Filing: $35.95
Real-time Price: $43.62 info
Change: +$7.67 (+21%) info
Market Cap: $281.516M info
FUNC
Mar 10, 2026, 4:13 PM EDT
Filing Type: 10-K
Importance Score:
8
Price at Filing: $35.91
Real-time Price: $43.62 info
Change: +$7.71 (+21%) info
Market Cap: $281.516M info
FUNC
Feb 04, 2026, 5:06 PM EST
Filing Type: 8-K
Importance Score:
7
Price at Filing: $39.22
Real-time Price: $43.62 info
Change: +$4.40 (+11%) info
Market Cap: $281.516M info
FUNC
Feb 02, 2026, 4:10 PM EST
Filing Type: 8-K
Importance Score:
7
Price at Filing: $39.56
Real-time Price: $43.62 info
Change: +$4.06 (+10%) info
Market Cap: $281.516M info
FUNC
Jan 27, 2026, 4:15 PM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $36.82
Real-time Price: $43.62 info
Change: +$6.80 (+18%) info
Market Cap: $281.516M info
FUNC
Jan 16, 2026, 4:15 PM EST
Filing Type: 8-K
Importance Score:
7
Price at Filing: $37.92
Real-time Price: $43.62 info
Change: +$5.70 (+15%) info
Market Cap: $281.516M info
Research tools: Filing Impact Index Dilution Tracker Split Calendar Open Datasets