First United (FUNC) Stock Price
First United Price
Over the last 19 years First United grew revenue by 2.4% annually, reaching 86.45 M USD. Earnings per share have grown at 3.3% per year over the last 19 years. For First United, the net margin of 28.4% is up versus 27.1% a few years ago. At today's price the dividend yield works out to roughly 2.11%. The payout ratio is around 24% of earnings. The dividend has grown at 1.0% per year over the past 19 years. The consensus 12-month price target for First United is 49.50 USD, about 13.4% above where the stock trades today. Of 8 analysts, 7 rate the stock a buy — an overall Buy consensus. The stock trades about 28% above its 52-week low.
First United stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of First United over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how First United stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing First United's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | First United Price |
|---|---|
| 9/21/2026 | 43.64 USD |
| 9/18/2026 | 43.45 USD |
| 9/17/2026 | 43.69 USD |
| 9/16/2026 | 45.24 USD |
| 9/15/2026 | 44.60 USD |
| 9/14/2026 | 44.05 USD |
| 9/13/2026 | 44.57 USD |
| 9/11/2026 | 43.24 USD |
| 9/10/2026 | 44.40 USD |
| 9/9/2026 | 43.67 USD |
| 9/8/2026 | 44.44 USD |
| 9/4/2026 | 44.35 USD |
| 9/3/2026 | 43.94 USD |
| 9/2/2026 | 43.79 USD |
| 9/1/2026 | 42.16 USD |
| 8/31/2026 | 42.90 USD |
| 8/30/2026 | 43.48 USD |
| 8/28/2026 | 43.74 USD |
| 8/27/2026 | 42.71 USD |
| 8/26/2026 | 42.74 USD |
| 8/25/2026 | 43.17 USD |
| 8/24/2026 | 43.60 USD |
| 8/21/2026 | 42.94 USD |
| 8/20/2026 | 43.35 USD |
| 8/19/2026 | 44.08 USD |
| 8/18/2026 | 44.88 USD |
| 8/14/2026 | 45.38 USD |
| 8/13/2026 | 46.18 USD |
| 8/12/2026 | 45.61 USD |
| 8/11/2026 | 45.39 USD |
First United Revenue, Pre-Provision Profit, Net Income
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First United Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| Net Interest IncomeM USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 67.00 | 63.00 | 60.00 | 59.00 | 60.00 | 61.00 | 67.00 | 74.00 | 76.00 | 78.00 | 80.00 | 95.00 | 111.00 | 119.00 | 96.00 | 102.00 |
| -10.67 | -5.97 | -4.76 | -1.67 | 1.69 | 1.67 | 9.84 | 10.45 | 2.70 | 2.63 | 2.56 | 18.75 | 16.84 | 7.21 | -19.33 | 6.25 |
| 65.67 | 80.95 | 78.33 | 83.05 | 81.67 | 83.61 | 85.07 | 82.43 | 80.26 | 93.59 | 95.00 | 72.63 | 68.47 | 69.75 | 69.75 | 69.75 |
| 44.00 | 51.00 | 47.00 | 49.00 | 49.00 | 51.00 | 57.00 | 61.00 | 61.00 | 73.00 | 76.00 | 69.00 | 76.00 | 83.00 | 66.96 | 71.14 |
| 39.15 | 38.18 | 35.52 | 35.63 | 37.64 | 39.58 | 44.18 | 46.39 | 48.55 | 52.54 | 57.63 | 57.86 | 59.98 | 68.11 | – | – |
| 15.34 | 13.27 | 13.96 | 14.44 | 14.66 | 14.34 | 15.24 | 16.79 | 18.72 | 20.36 | 18.02 | 19.29 | 19.81 | 18.33 | – | – |
| 9.39 | 0.38 | 2.51 | 1.05 | 3.12 | 2.53 | 2.11 | 1.32 | – | -0.82 | -0.64 | 1.62 | 2.93 | – | – | – |
| 14.97 | 9.04 | 9.38 | 8.94 | 13.19 | 14.75 | 15.61 | 17.79 | 17.92 | 25.10 | 32.50 | 26.90 | 30.15 | 86.45 | – | – |
| 4.00 | 6.00 | 5.00 | 12.00 | 7.00 | 5.00 | 10.00 | 13.00 | 13.00 | 19.00 | 25.00 | 15.00 | 20.00 | 24.00 | 29.00 | 31.00 |
| 33.33 | 50.00 | -16.67 | 140.00 | -41.67 | -28.57 | 100.00 | 30.00 | – | 46.15 | 31.58 | -40.00 | 33.33 | 20.00 | 20.83 | 6.90 |
| – | – | – | – | – | – | 0.27 | 0.40 | 0.52 | 0.58 | 0.60 | 0.78 | 0.82 | 0.92 | 1.04 | 1.18 |
| – | – | – | – | – | – | – | 48.15 | 30.00 | 11.54 | 3.45 | 30.00 | 5.13 | 12.20 | 13.04 | 13.46 |
| 6.25 | 6.26 | 6.28 | 6.11 | 6.27 | 7.07 | 7.09 | 7.11 | 7.00 | 6.63 | 6.69 | 6.65 | 6.48 | 6.51 | 6.51 | 6.51 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales First United generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue First United retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare First United's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares First United has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against First United's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
First United stock margins
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First United Revenue per Share, Earnings per Share
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First United business model & stock analysis
First United SWOT Analysis
Strengths
First United Corp has a strong financial position with consistent profitability and a healthy balance sheet. This provides them with the ability to invest in growth opportunities and withstand economic downturns.
The company has a diverse range of products and services, including commercial and retail banking, investment services, and insurance, which supports multiple revenue streams and reduces reliance on any single segment.
First United Corp has a loyal customer base due to its emphasis on providing excellent customer service. This helps in retaining existing customers and attracting new ones.
Weaknesses
One of the weaknesses of First United Corp is its limited geographical presence. The company primarily operates in a specific region, which exposes it to localized economic risks and limits its opportunities for expansion.
First United Corp may face challenges in adapting to rapidly evolving technological advancements. Inadequate investment in technology infrastructure may hinder their ability to compete with more technologically advanced competitors.
The company's reliance on traditional banking channels and limited digital offerings may lead to a potential loss of market share to fintech companies and online banking platforms.
Opportunities
First United Corp can explore opportunities for geographic expansion through strategic acquisitions or partnerships. This would allow the company to diversify its operations and reduce concentration risks.
The growing demand for digital banking and online financial services presents an opportunity for First United Corp to enhance its technological capabilities and offer innovative digital solutions to customers.
Expanding the range of products and services offered, such as introducing new wealth management options or specialized lending services, can help First United Corp capture additional market share and increase revenue streams.
Threats
First United Corp faces increasing competition from larger national and international banks, which have greater resources and market presence. This competitive landscape may put pressure on the company's market share and profitability.
Regulatory changes and compliance requirements pose a threat to First United Corp's operations, as non-compliance can result in fines and penalties. Adapting to evolving regulatory frameworks requires continuous monitoring and investment.
Economic downturns and financial crises can negatively impact the banking industry as a whole, potentially affecting First United Corp's profitability and asset quality.
First United Employees
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First United Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
First United historical P/E ratio, EBIT multiple, and P/S ratio
First United annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down First United's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in First United's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare First United's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
First United shares outstanding
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First United stock splits
Since 1993, a total of 3.1500000000000004 shares have been converted from one First United share.
First United Dividend History
28 years of dividend payments · 8 consecutive increases
First United dividend history and estimates
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First United dividend payout ratio
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Current First United forecasts and price targets in September 2026
Analyst Price Targets 2026First United Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 7/1/2026 | Maintained | Outperform | 63 | |
| 7/7/2022 | Maintained | Outperform | 63 | |
| 4/26/2022 | Maintained | Outperform | 63 | |
| 2/8/2022 | Maintained | Outperform | 63 | |
| 5/27/2021 | Maintained | Outperform | 63 |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
First United Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 10/26/2026 | 1.16USD | - | 24.37 MUSD | - | 2026 Q3 |
| 7/20/2026 | 1.05USD | 1.13USD | 23.55 MUSD | - | 2026 Q2 |
| 4/20/2026 | 0.92USD | 1.02USD | 22.83 MUSD | - | 2026 Q1 |
| 2/4/2026 | 0.96USD | 1.10USD | 22.76 MUSD | - | 2025 Q4 |
| 10/21/2025 | 0.89USD | 1.07USD | 22.13 MUSD | - | 2025 Q3 |
| 7/21/2025 | 0.84USD | 0.92USD | 21.26 MUSD | - | 2025 Q2 |
| 4/21/2025 | 0.80USD | 0.89USD | 21.10 MUSD | - | 2025 Q1 |
| 2/5/2025 | 0.86USD | 0.95USD | 20.49 MUSD | - | 2024 Q4 |
| 10/21/2024 | 0.79USD | 0.89USD | 20.49 MUSD | - | 2024 Q3 |
| 7/22/2024 | 0.66USD | 0.75USD | 19.34 MUSD | - | 2024 Q2 |
EESG©
Eulerpool ESG Scorecard© for the First United stock
EEnvironment
Environment
SSocial
Social
GGovernance (Corporate Governance)
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
First United shareholder structure
| % | Name |
|---|---|
5.67130% | |
5.26953% | |
3.88844% | |
2.72709% | |
2.29954% | |
2.13974% |
First United Beneficial Ownership Filings (SEC 13D/G)
| Stake | Holder | Filing |
|---|---|---|
11.00% | SEC ↗ | |
6.82% | SEC ↗ | |
5.90% | SEC ↗ | |
5.17% | SEC ↗ | |
5.16% | SEC ↗ | |
5.16% | SEC ↗ | |
5.16% | SEC ↗ | |
5.00% | SEC ↗ | |
4.55% | SEC ↗ | |
4.31% | SEC ↗ |
First United Executives and Management Board
15 members · avg. age 60 · 47 % women
Ms. Carissa Rodeheaver (59)
Chairman of the Board, President, Chief Executive Officer · since 2006
816,958.00 USD
Management
Mr. Jason Rush (54)
Chief Operating Officer, Senior Vice President
Mr. Robert Fisher (56)
Senior Vice President, Chief Revenue Officer
Mr. Keith Sanders (55)
Senior Vice President, Chief Wealth Officer
Ms. Tonya Sturm (58)
Chief Financial Officer, Senior Vice President, Treasurer, Secretary
Ms. Julie Peterson (55)
Senior Vice President, Chief Credit Officer
Board of Directors
Mr. Brian Boal (52)
Independent Director
Ms. Beth Moran (61)
Independent Director
Ms. Christy Dipietro (63)
Independent Director
Mr. H. Andrew Walls (64)
Independent Director
Mr. Irvin Rudy (72)
Independent Director
Mr. Kevin Hessler (68)
Independent Director
Frequently asked questions about First United
The business model of First United Corp revolves around providing financial services to individuals, businesses, and organizations. As a bank holding company, First United Corp operates through its subsidiary, First United Bank & Trust, which offers a wide range of banking products and services including deposit accounts, loans, mortgages, trust and investment services, wealth management, and insurance. By focusing on personalized financial solutions and prioritizing customer service, First United Corp aims to foster long-term relationships and support the financial goals of its clients. With its comprehensive suite of offerings, First United Corp strives to be a trusted partner for all their banking and financial needs.
First United Corp is primarily active in the banking and financial services industry.
The main competitors of First United Corp in the market include larger regional banks such as BB&T Corporation, M&T Bank Corporation, and PNC Financial Services Group, Inc. These established financial institutions also offer a range of banking and financial services similar to First United Corp. Additionally, local community banks and credit unions operating in the same region where First United Corp has a presence might also be considered competitors. It is essential for investors to consider the competitive landscape while evaluating the performance and growth potential of First United Corp in the market.
First United Corp is a renowned financial holding company with a rich history and background. Founded in 1982 and headquartered in Oakland, Maryland, First United has been serving customers for nearly four decades. Over the years, it has evolved into a trusted provider of banking, insurance, and investment solutions. With a strong commitment to community banking, First United Corp focuses on delivering personalized financial services to individuals, businesses, and organizations. Its dedication to innovative technologies and customer-centric approach sets it apart in the industry. With comprehensive offerings and a history rooted in excellence, First United Corp remains a reliable choice for all financial needs.
First United Corp has achieved several significant milestones throughout its history. In its journey, the company has successfully expanded its presence in the banking sector, delivering exceptional financial services to its customers. It has consistently demonstrated growth and profitability, further solidifying its position as a leading financial institution. First United Corp has also established a strong reputation for its commitment to customer satisfaction, continuously enhancing its product offerings and improving the overall banking experience. With its dedication to excellence, innovation, and community support, First United Corp remains a trusted name in the financial industry.
First United Corp is primarily present in the United States, specifically in the states of Maryland, West Virginia, and Pennsylvania.
First United Corp represents a strong commitment to integrity, community engagement, and customer satisfaction. As a financial institution, they prioritize transparent and ethical practices, ensuring the trust and confidence of their clients. First United Corp also values building relationships with local communities, supporting economic growth, and giving back through philanthropic initiatives. With an emphasis on personalized service, they strive to deliver tailored financial solutions and exceed customer expectations. By upholding these values and corporate philosophy, First United Corp establishes itself as a trusted and reliable partner in the financial industry.
Analysts currently set an average price target of 49.50 USD for the First United stock (median: 49.50 USD), implying +13.9 % versus the latest price. The consensus is based on 8 analyst ratings.
8 analysts currently rate the First United stock: 7 recommend buying, 1 holding and 0 selling. For 2026, analysts expect First United to generate revenue of 96.78 M USD and earnings per share of 4.47 USD.
Converted at the current exchange rate, the First United share trades at 38.04 EUR (43.64 USD).
The First United share (FUNC) is listed on 2 stock exchanges, including: NASDAQ (FUNC), Frankfurt (FU3.F).
First United Corp is a financial services company based in Oakland, Maryland. The company operates banks, cash management clients, and specializes in construction and investment customers. The company focuses on building profitable businesses through a wide range of products and services. The company is divided into three main business areas: lending, construction, and treasury management. These three areas enable First United Corp to offer its customers a wide range of products and services. The lending business is the largest area of First United Corp. It includes retail loans for individuals, commercial loans for businesses, and real estate loans for real estate investors. The company also offers special loans for farmers, medical professionals, and nonprofit organizations. In addition, the company offers unsecured loans for consumers. The construction area includes all products and services related to building investments for customers. First United Corp offers investment opportunities for private and business customers. These include bonds, stocks, mutual funds, and annuity contracts. The company also has asset management and offers advisory services for affluent customers. The treasury management business offers cash management services for corporate clients. This includes payment management, portfolio management, foreign exchange and derivatives management, and electronic banking setup. First United Corp specializes in providing specialized cash management solutions for nonprofit organizations and companies. The company also offers various insurance products sold by its subsidiary, First United Insurance Group. The offer includes private health insurance, disability insurance, liability insurance, and life insurance. First United Corp also has a subsidiary, First United Bank & Trust, which operates in Maryland, West Virginia, and Pennsylvania. The bank offers deposit accounts, loan accounts, and credit products. The bank also has a mobile banking app and offers online banking services. Overall, First United Corp's business model is aimed at the needs of private and business customers. The company offers a wide range of products and services to provide the best possible outcome for its customers. From lending to specialized investment products and insurance, the company strives to meet the general customer needs.
The expected revenue of First United is 96.78 M USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of First United is 29.10 M USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of First United is currently 9.76. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the First United stock.
The price-to-sales ratio (P/S) of First United is currently 2.94. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the First United stock.
The Eulerpool Quality Score for First United is 5/10.
The ISIN of First United is US33741H1077. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of First United is 923764. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of First United is FUNC. The ticker symbol is used to trade First United shares on the stock exchange.
Over the past 12 months, First United paid a dividend of 0.92 USD . This corresponds to a dividend yield of about 2.11 %. For the coming 12 months, First United is expected to pay a dividend of 1.18 USD.
The current dividend yield of First United is 2.11 %.
First United pays a dividend, distributed in the months of October, January, April, July.
First United paid dividends every year for the past 8 years.
For the upcoming 12 months, dividends amounting to 1.18 USD are expected. This corresponds to a dividend yield of 2.71 %.
First United is assigned to the 'Finance' sector.
To receive the latest dividend of First United from 8/3/2026 amounting to 0.26 USD, you needed to have the stock in your portfolio before the ex-date on 7/20/2026.
The last dividend was paid out on 8/3/2026.
In the year 2025, First United distributed 0.92 USD as dividends.
The dividends of First United are distributed in USD.
First United stock
First United Peer Group
First United Ticker
First United FIGI
All fundamentals and in-depth analysis of First United
Our stock analysis for First United stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of First United. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.