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First United Corporation (FUNC)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US33741H1077

CUSIP

33741H107

Sector

Financial Services

IPO Date

Sep 8, 1992

Highlights

Market Cap

$264.28M

EPS (TTM)

$3.15

PE Ratio

12.97

Total Revenue (TTM)

$74.89M

Gross Profit (TTM)

$47.61M

EBITDA (TTM)

$7.05M

Year Range

$18.75 - $42.50

Target Price

$42.00

Short %

0.16%

Short Ratio

0.31

Share Price Chart


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Compare to other instruments

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in First United Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


0.00%10.00%20.00%30.00%40.00%50.00%SeptemberOctoberNovemberDecember2025February
47.33%
10.30%
FUNC (First United Corporation)
Benchmark (^GSPC)

Returns By Period

First United Corporation had a return of 21.96% year-to-date (YTD) and 97.77% in the last 12 months. Over the past 10 years, First United Corporation had an annualized return of 18.89%, outperforming the S&P 500 benchmark which had an annualized return of 11.31%.


FUNC

YTD

21.96%

1M

23.95%

6M

48.02%

1Y

97.77%

5Y*

15.22%

10Y*

18.89%

^GSPC (Benchmark)

YTD

4.46%

1M

2.46%

6M

9.31%

1Y

23.49%

5Y*

13.03%

10Y*

11.31%

*Annualized

Monthly Returns

The table below presents the monthly returns of FUNC, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025-2.70%21.96%
2024-2.39%-2.81%3.67%-0.50%-11.29%1.90%38.91%2.60%3.40%7.11%12.29%-5.42%48.25%
2023-0.14%0.41%-13.63%-10.51%-12.68%9.52%21.83%-5.42%-0.03%2.06%13.08%27.08%25.24%
20227.16%19.47%-5.50%0.12%-4.55%-12.30%-3.11%-2.89%-5.43%15.60%8.38%-4.43%8.04%
20211.61%15.80%-2.65%-3.12%7.45%-4.13%0.18%6.41%0.98%2.33%-1.11%0.48%25.12%
2020-0.21%-9.54%-33.93%8.44%-10.36%-3.05%-18.04%5.92%2.27%2.83%28.19%1.44%-33.27%
20192.31%6.79%-0.23%10.15%-4.86%9.50%8.51%2.11%1.20%6.97%2.09%0.84%54.44%
20181.44%-2.27%11.30%0.73%6.49%-0.24%-8.13%7.75%-6.70%-3.80%0.17%-11.70%-7.20%
2017-10.34%2.45%-1.02%-3.79%7.53%-0.67%1.34%4.30%5.71%5.11%0.29%-0.85%9.09%
2016-17.26%7.03%5.69%2.56%-7.92%-4.84%3.96%2.30%18.30%-5.90%12.00%23.17%37.36%
2015-1.73%8.31%0.44%-5.91%1.74%-1.03%-3.00%-3.57%1.24%5.36%17.25%15.50%36.84%
20143.78%-3.90%-0.65%8.69%5.45%0.69%-2.74%-1.41%-5.71%7.78%0.85%-0.81%11.47%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 98, FUNC is among the top 2% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of FUNC is 9898
Overall Rank
The Sharpe Ratio Rank of FUNC is 9999
Sharpe Ratio Rank
The Sortino Ratio Rank of FUNC is 9999
Sortino Ratio Rank
The Omega Ratio Rank of FUNC is 9999
Omega Ratio Rank
The Calmar Ratio Rank of FUNC is 9898
Calmar Ratio Rank
The Martin Ratio Rank of FUNC is 9696
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for First United Corporation (FUNC) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


Sharpe ratio
The chart of Sharpe ratio for FUNC, currently valued at 3.66, compared to the broader market-2.000.002.003.661.74
The chart of Sortino ratio for FUNC, currently valued at 5.95, compared to the broader market-4.00-2.000.002.004.006.005.952.35
The chart of Omega ratio for FUNC, currently valued at 1.94, compared to the broader market0.501.001.502.001.941.32
The chart of Calmar ratio for FUNC, currently valued at 5.59, compared to the broader market0.002.004.006.005.592.61
The chart of Martin ratio for FUNC, currently valued at 17.70, compared to the broader market0.0010.0020.0030.0017.7010.66
FUNC
^GSPC

The current First United Corporation Sharpe ratio is 3.66. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of First United Corporation with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio1.502.002.503.003.504.00SeptemberOctoberNovemberDecember2025February
3.66
1.74
FUNC (First United Corporation)
Benchmark (^GSPC)

Dividends

Dividend History

First United Corporation provided a 2.06% dividend yield over the last twelve months, with an annual payout of $0.84 per share. The company has been increasing its dividends for 6 consecutive years.


2.00%2.50%3.00%$0.00$0.20$0.40$0.60$0.802018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM2024202320222021202020192018
Dividend$0.84$0.82$0.78$0.60$0.58$0.52$0.40$0.27

Dividend yield

2.06%2.43%3.32%3.05%3.09%3.35%1.66%1.70%

Monthly Dividends

The table displays the monthly dividend distributions for First United Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025$0.22$0.00$0.22
2024$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.22$0.00$0.00$0.82
2023$0.18$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.78
2022$0.15$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.60
2021$0.13$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.58
2020$0.13$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.00$0.52
2019$0.09$0.00$0.00$0.09$0.00$0.00$0.09$0.00$0.00$0.13$0.00$0.00$0.40
2018$0.09$0.00$0.00$0.09$0.00$0.00$0.09$0.00$0.00$0.27

Dividend Yield & Payout


Dividend Yield
200.0%400.0%600.0%2.1%
First United Corporation has a dividend yield of 2.06%, which is quite average when compared to the overall market.
Payout Ratio
200.0%400.0%600.0%800.0%1,000.0%26.7%
First United Corporation has a payout ratio of 26.67%, which is quite average when compared to the overall market. This suggests that First United Corporation strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


-14.00%-12.00%-10.00%-8.00%-6.00%-4.00%-2.00%0.00%SeptemberOctoberNovemberDecember2025February
-1.85%
0
FUNC (First United Corporation)
Benchmark (^GSPC)

Worst Drawdowns

The table below displays the maximum drawdowns of the First United Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the First United Corporation was 85.84%, occurring on Mar 16, 2011. Recovery took 1749 trading sessions.

The current First United Corporation drawdown is 1.85%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-85.84%May 3, 2007959Mar 16, 20111749May 10, 20182708
-54.91%Dec 16, 2019173Aug 21, 2020371Feb 10, 2022544
-53.43%Nov 3, 1998302Mar 31, 2000471May 15, 2002773
-45.85%Feb 11, 1994381Jul 18, 1996453Nov 2, 1998834
-44.9%Mar 1, 2022304May 15, 2023154Dec 22, 2023458

Volatility

Volatility Chart

The current First United Corporation volatility is 13.82%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


2.00%4.00%6.00%8.00%10.00%12.00%14.00%SeptemberOctoberNovemberDecember2025February
13.82%
3.07%
FUNC (First United Corporation)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of First United Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

Annual
Quarterly

0.0

Valuation

The Valuation section provides an assessment of the market value of First United Corporation compared to its peers in the Banks - Regional industry.


PE Ratio
20.040.060.080.0100.0120.013.0
The chart displays the price to earnings (P/E) ratio for FUNC in comparison to other companies of the Banks - Regional industry. Currently, FUNC has a PE value of 13.0. This PE ratio falls in the average range for the industry.
PEG Ratio
-5.00.05.010.015.00.0
The chart displays the price to earnings to growth (PEG) ratio for FUNC in comparison to other companies of the Banks - Regional industry. Currently, FUNC has a PEG value of 0.0. This PEG ratio falls in the average range for the industry.

Historical P/E Ratio Chart

The chart below displays the historical trend of the price-to-earnings (P/E) ratio for First United Corporation.


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Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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The information contained herein does not constitute investment advice and made available for educational purposes only. Prices and returns on equities are listed without consideration of fees, commissions, taxes, penalties, or interest payable due to purchasing, holding, or selling.

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