First United (FUNC) Stock Price, News & Analysis

Company Overview

First United Corporation is a bank holding company that, through its subsidiary First United Bank & Trust, provides a full suite of commercial and consumer banking services to individuals, businesses, and agricultural customers across central Oklahoma. The company offers deposit accounts such as checking, savings, money market and time deposits, alongside a variety of lending solutions covering commercial real estate, construction, agricultural and consumer loans.

In addition to traditional banking products, First United delivers treasury management and cash management solutions designed to streamline client operations, as well as online and mobile banking platforms for account access and payments. The company also offers trust and investment services, helping clients manage wealth transfers, estate planning, and portfolio administration.

First United operates a network of branch locations throughout the Oklahoma City metropolitan area and neighboring communities, serving farms, small businesses and urban customers. By leveraging regional knowledge and local decision-making, the bank emphasizes personalized service and responsiveness to the needs of its clients.

Governed by a board of directors and an experienced management team rooted in the Oklahoma banking industry, First United remains committed to community banking principles. The company focuses on building long-term relationships, supporting local economic development and delivering tailored financial solutions to its customers.

Key Stats

• Today's Range: $36.24 to $37.43
• 50-Day Range: $32.02 to $37.37
• 52-Week Range: $24.66 to $42.50
• Volume: 13,348 shs
• Average Volume: 28,916 shs
• Market Capitalization: $235.91 million
• P/E Ratio: 9.96
• Dividend Yield: 2.42%
• Price Target: $42.00
• Consensus Rating: Buy

First United Stock Analysis - MarketRank™

First United scored higher than 81% of companies evaluated by MarketBeat, and ranked 298th out of 915 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.7 / 5
• Analyst Rating: Buy

Consensus Rating

First United has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.

Upside Potential

First United has a consensus price target of $42.00, representing about 15.5% upside from its current price of $36.35.

Amount of Analyst Coverage

First United has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.00%

Earnings Growth

Earnings for First United are expected to grow by 12.00% in the coming year, from $3.75 to $4.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First United is 9.96, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 279.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of First United is 9.96, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 231.78.

Price to Book Value per Share Ratio

First United has a P/B Ratio of 1.31. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.39% of the float of First United has been sold short.

Short Interest Ratio / Days to Cover

First United has a short interest ratio ("days to cover") of 2.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First United has recently decreased by 9.36%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

First United pays a meaningful dividend of 2.39%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First United has been increasing its dividend for 6 years.

Dividend Coverage

The dividend payout ratio of First United is 24.11%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First United will have a dividend payout ratio of 20.95% next year. This indicates that First United will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.39% of the float of First United has been sold short.

Short Interest Ratio / Days to Cover

First United has a short interest ratio ("days to cover") of 2.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First United has recently decreased by 9.36%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

First United has a news sentiment score of 1.87. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.10 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for First United this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, First United insiders have sold 638.65% more of their company's stock than they have bought. Specifically, they have bought $10,113.00 in company stock and sold $74,700.00 in company stock.

Percentage Held by Insiders

Only 7.90% of the stock of First United is held by insiders.

Percentage Held by Institutions

Only 33.27% of the stock of First United is held by institutions.

FUNC Stock Analysis - Frequently Asked Questions

How have FUNC shares performed this year?

First United's stock was trading at $33.71 on January 1st, 2025. Since then, FUNC shares have increased by 7.8% and is now trading at $36.35.

How were First United's earnings last quarter?

First United Corporation (NASDAQ:FUNC) posted its earnings results on Monday, July, 21st. The bank reported $0.92 earnings per share for the quarter, beating the consensus estimate of $0.84 by $0.08. The bank earned $21.65 million during the quarter, compared to analysts' expectations of $21.26 million. First United had a trailing twelve-month return on equity of 13.05% and a net margin of 20.53%.

Who are First United's major shareholders?

Top institutional shareholders of First United include De Lisle Partners LLP (2.32%), Geode Capital Management LLC (2.16%), Fourthstone LLC (1.48%) and Acadian Asset Management LLC (1.42%). Insiders that own company stock include Carissa Lynn Rodeheaver, Irvin Robert Rudy, Marisa A Shockley, Jason Barry Rush, Brian R Boal and Julie W Peterson.
View institutional ownership trends.

How do I buy shares of First United?

Shares of FUNC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First United own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First United investors own include Humana (HUM), American Water Works (AWK), Voyager Therapeutics (VYGR), Waste Connections (WCN), TotalEnergies (TTE), The RMR Group (RMR) and Southern First Bancshares (SFST).

Company Calendar

• Record date for 8/1 Dividend: 7/18/2025
• Ex-Dividend for 8/1 Dividend: 7/18/2025
• Last Earnings: 7/21/2025
• Dividend Payable: 8/01/2025
• Today: 9/10/2025
• Next Earnings (Estimated): 10/20/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FUNC
• CIK: 763907
• Web: www.mybank.com
• Phone: (301) 334-9471
• Fax: 301-334-5784
• Employees: 300
• Year Founded: 1900

Price Target and Rating

• Average Price Target for First United: $42.00
• High Price Target: $42.00
• Low Price Target: $42.00
• Potential Upside/Downside: +14.9%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.65
• Trailing P/E Ratio: 10.02
• Forward P/E Ratio: 9.75
• P/E Growth: N/A
• Net Income: $20.57 million
• Net Margins: 20.53%
• Pretax Margin: 27.24%
• Return on Equity: 13.05%
• Return on Assets: 1.21%

Debt

• Debt-to-Equity Ratio: 0.63
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $111.40 million
• Price / Sales: 2.13
• Cash Flow: $3.67 per share
• Price / Cash Flow: 9.97
• Book Value: $27.72 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 6,490,000
• Free Float: 5,982,000
• Market Cap: $237.31 million
• Optionable: Not Optionable
• Beta: 0.70