First United Corporation (FUNC)
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Basics
Performance
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
NeutralNegativ-Befund: In den sechs ausgewerteten SEC-Berichten (zwei 10-K, vier 10-Q) findet sich kein wesentlicher KI-Bezug — weder KI als Umsatzquelle noch als konkretes Geschäftsrisiko fürs eigene Modell noch als belegter operativer Einsatz. Die einzige Fundstelle ist ein Nebensatz im Risikofaktor „We may not be able to keep pace with developments in technology“, der künstliche Intelligenz zusammen mit Automatisierung und Algorithmen als mögliche Quelle unbeabsichtigter Folgen nennt. Der Satz steht im Geschäftsbericht für 2024 und im Geschäftsbericht für 2025 im identischen Wortlaut und ist damit unveränderte Standardformulierung, kein konkreter Bezug zum Geschäftsmodell — nach der Vorrang-Regel kein Beleg für „bedroht“. In keinem der vier Quartalsberichte kommt ein KI-Begriff überhaupt vor. First United ist eine Regionalbank mit 2,08 Milliarden US-Dollar Bilanzsumme, deren Erträge zu rund 77 Prozent aus dem Zinsgeschäft und zu 23 Prozent aus Treuhand-, Vermögensverwaltungs- und Kontogebühren stammen.
View the full file — quotes, sources, reviewed filings
„In addition, our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively."
Darüber hinaus kann die Einführung bestimmter neuer Technologien in unsere Geschäftsprozesse — etwa solcher im Zusammenhang mit künstlicher Intelligenz, Automatisierung und Algorithmen — unbeabsichtigte Folgen haben, weil diese Technologien an Grenzen stoßen oder weil wir sie nicht wirksam einsetzen.
„In addition, our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively."
Darüber hinaus kann die Einführung bestimmter neuer Technologien in unsere Geschäftsprozesse — etwa solcher im Zusammenhang mit künstlicher Intelligenz, Automatisierung und Algorithmen — unbeabsichtigte Folgen haben, weil diese Technologien an Grenzen stoßen oder weil wir sie nicht wirksam einsetzen.
Filings Reviewed: 10-Q 2026-05-08 · 10-Q 2025-11-05 · 10-Q 2025-08-13 · 10-Q 2025-05-07 · 10-K 2026-03-10 · 10-K 2025-03-20
Rated on July 29, 2026 · How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 7.1% above the current price.
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Next Reporting Date
- Expected Earnings per Share
- 1.14 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.96 | 251.90 | 29 | 26.10 | 21.50 | 9 | 9 |
| 2025: Q1 | 0.90 | 57.00 | 29 | 8.20 | 20.00 | 7 | 6 |
| 2025: Q2 | 0.93 | 21.80 | 30 | 7.20 | 20.00 | 1 | 1 |
| 2025: Q3 | 1.08 | 20.40 | 31 | 9.70 | 22.40 | 2 | 0 |
| 2025: Q4 | 0.90 | -6.60 | 30 | 2.60 | 19.60 | 10 | 8 |
| 2026: Q1 | 1.03 | 14.80 | 31 | 6.70 | 21.50 | 14 | 13 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
First United Corporation ist die Bankholding der First United Bank & Trust, die Unternehmen und Privatpersonen in den USA verschiedene Privat- und Geschäftsbankdienstleistungen anbietet. Das Unternehmen ist in den Segmenten Community Banking und Wealth Management tätig.
| Employees | 315 |
|---|---|
| Headquarters | Oakland, MD |
| Website | mybank.com |
| IPO Date | 8. Sep 1992 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Jason B. Rush | Chairman of the Board, President & CEO | 1971 |
| Robert L. Fisher II | Executive VP & Chief Revenue Officer | 1969 |
| Tonya K. Sturm | Executive VP, CFO, Secretary & Treasurer | 1967 |
| Anthony J. Tasker | Senior VP & COO | 1981 |
| Keith R. Sanders M.B.A. | Executive VP & Chief Wealth Officer of First United Bank | 1970 |
| Julie W. Peterson | Executive VP & Chief Credit Officer of First United Bank | 1970 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 28. Jul 2026 | Fisher Robert L. II | EVP & Chief Banking Officer | Sell | 5,250 | 45.29 | 237,773 |
| 24. Jul 2026 | Rudy Irvin Robert | Director | Sell | 1,000 | 44.58 | 44,580 |
| 23. Jul 2026 | Sanders Keith | EVP & Chief Wealth Officer | Sell | 5,000 | 43.68 | 218,398 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.