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Upturn AI Summary - About
First United Corporation(FUNC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FUNC
10/27/2026: FUNC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
First United Corporation is a steady regional financial institution that provides essential banking and trust services primarily in Maryland and West Virginia. Its main strengths include a long-standing local franchise and a reliable fee-based income stream from its wealth management division. The primary growth opportunity lies in upgrading digital infrastructure to better compete with larger banks, while primary risks center on interest rate sensitivity and limited geographic diversification. The stock may best suit dividend-focused investors looking for stability in the financial sector. Key developments to monitor include net interest margin trends and the bank's progress in digital service adoption.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature regional bank with stable, rather than high-growth, business prospects. |
| Momentum investor | Mixed fit | Momentum may occur during favorable interest rate cycles, but is generally low outside of such events. |
| Value investor | Strong fit | The stock often trades at valuations that may appeal to investors looking for steady regional bank earnings. |
| Dividend investor | Strong fit | The company’s consistent focus on shareholder returns through dividends makes it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While regional banks are stable, they remain subject to market volatility and economic cycles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be sensitive to macroeconomic news and shifts in interest rate policy. |
| Valuation risk | Low | The stock is generally priced based on book value and earnings stability. |
| Competition risk (Regional Banking) | Medium / high | Local market share is constantly challenged by both large national banks and agile community peers. |
| Business quality | Medium | The franchise is stable and long-standing but lacks the scale of larger national competitors. |
| Dividend income | Medium | Dividend reliability depends on the bank maintaining profitability through different interest rate cycles. |
| Execution risk | Low | Management has a long history of operating the business with a consistent strategic focus. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 39.88% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/27/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 294.75M USD | Price to earnings Ratio 11.71 | 1Y Target Price 50 |
Price to earnings Ratio 11.71 | 1Y Target Price 50 | ||
Volume (30-day avg) 36.2K shares | Beta 0.51 | 52 Weeks Range 33.04 - 46.62 | Updated Date 10/27/2026 |
52 Weeks Range 33.04 - 46.62 | Updated Date 10/27/2026 | ||
Dividends yield (FY) 2.31% | Basic EPS (TTM) 3.9 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core business; the bank earns money on the spread between what it charges for loans and pays for deposits. |
| Non-Interest Income | Trust and wealth management fees, service charges, and other banking fees. | This provides a steady, fee-based revenue stream that helps buffer the bank against fluctuations in loan demand. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-19 | When After Market | Estimate 1.16 | Actual 1.11 |
Profitability
Profit Margin 27.64% | Operating Margin (TTM) 41.9% |
Management Effectiveness
Return on Assets (TTM) 1.23% | Return on Equity (TTM) 12.24% |
Valuation
Trailing PE 11.71 | Forward PE 5.27 | Enterprise Value 285.07M | Price to Sales(TTM) 3.22 |
Enterprise Value 285.07M | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 3.87 | Enterprise Value to EBITDA - | Shares Outstanding 6.45M | Shares Floating 5.94M |
Shares Outstanding 6.45M | Shares Floating 5.94M | ||
Percent Insiders 7.84 | Percent Institutions 49.97 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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