First United (FUNC)
Runs local banking and wealth services across Western Maryland and Northeastern West Virginia.
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Provides deposits, loans, mortgages, trust services, and brokerage access through a community-bank network. The franchise is concentrated in Western Maryland and Northeastern West Virginia, with wealth management adding fee income beside traditional lending.
Operates through First United Bank & Trust, a community bank founded in 1900 and now organized around Community Banking and Wealth Management. Core services include deposits, business and personal lending, residential mortgages, trust services, insurance products, and brokerage access through Cetera.
Serves a concentrated regional footprint in Western Maryland and Northeastern West Virginia. The model depends on branch relationships, local credit underwriting, deposit gathering, and fee-based wealth services rather than a national banking platform.
Execution is shaped by bank regulation, interest-rate conditions, loan and deposit competition, cybersecurity controls, and retention of experienced banking staff. Credit quality in its local markets remains a central operating dependency.
Company facts
Categories
Unavailable right now.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $363.5M · Total debt $101.2M · Total assets $2.08B · Shareholders' equity $212.4M
- Revenue
- $31.5M
- Operating income
- $7.4M
- Net income
- $5.7M
Raised for 7 straight years — most recently to $0.26 from $0.22 in Oct 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 20, 2026 | Jul 20 | Aug 3 | $0.26 | |
| Apr 17, 2026 | Apr 17 | May 1 | $0.26 | |
| Jan 16, 2026 | Jan 16 | Feb 2 | $0.26 | |
| Oct 17, 2025 | Oct 17 | Nov 3 | $0.26 | raised from $0.22 |
| Jul 18, 2025 | Jul 18 | Aug 1 | $0.22 | |
| Apr 17, 2025 | Apr 17 | May 1 | $0.22 | |
| Jan 17, 2025 | Jan 17 | Feb 3 | $0.22 | |
| Oct 18, 2024 | Oct 18 | Nov 1 | $0.22 | raised from $0.20 |
| Institutions87 holders · as of Mar 31, 2026 | 47.36% | 3.06M shares | |
| Insiders16 holders · as of Aug 5, 2026 | 5.05% | 325.6K shares | |
| Otherremainder | 47.59% | 3.07M shares |
6.45M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
BlackRock, Inc.Institution | 6.06% | 390,913 | 13Fas of Mar 31, 2026 |
Dimensional Fund Advisors LPInstitution | 5.59% | 360,942 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 4.17% | 268,957 | 13Fas of Mar 31, 2026 |
Tontine Financial Partners, L.P.Institution | 3.29% | 212,475 | 13G/Afiled Mar 6, 2019 ↗ |
First United Bank & TrustInstitution | 3.01% | 194,223 | 13G/Afiled Jan 25, 2021 ↗ |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 3, 2026 | Brian R. Boal | director | +74 | $45.84 |
| Aug 3, 2026 | Tonya K. Sturm | officer: EVP & CFO | +2 | $45.84 |
| Aug 3, 2026 | Jason Barry Rush | director, officer: Chairman, President & CEO | +64 | $45.84 |
| Aug 3, 2026 | Carissa Lynn Rodeheaver | other: Retired director | +140 | $45.70 |
| Jul 28, 2026 | Robert L. II Fisher | officer: EVP & Chief Banking Officer | −5,250 | $45.29 |
- F.N.B.
Regional bank rival across MD, WV, PA, and VA
- WesBanco
WV-centered regional bank with trust and wealth overlap
- Peoples Bancorp
Community bank competitor in WV, MD, VA, and D.C.
- Fulton Financial
Mid-Atlantic community bank rival in MD, PA, and VA
- United Bankshares
Large Mid-Atlantic bank with WV, MD, PA, and VA overlap
- First Community Bankshares
VA/WV community bank with comparable wealth services
- CB Financial Services
Small PA/WV community bank with direct local-bank overlap
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First United | $43.60 | −0.73% | $282.6M | 11.3 | 9.6 | 2.3 | +9.7% |
| F.N.B. | $18.45 | +0.89% | $6.51B | 10.9 | 10.3 | 2.4 | +5.6% |
| WesBanco | $40.25 | −0.59% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| Peoples Bancorp | $39.26 | −0.56% | $1.42B | 11.9 | 10.6 | 2.4 | +9.4% |
| Fulton Financial | $24.04 | +1.43% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| United Bankshares | $47.23 | −0.15% | $6.52B | 12.9 | 12.6 | 3.6 | +6.0% |
| First Community Bankshares | $48.94 | +0.47% | $918.8M | 15.4 | 16.0 | 6.6 | +48.5% |
| CB Financial Services | $37.28 | +0.49% | $189.1M | 29.1 | 11.3 | 2.6 | +15.1% |
| Median | 11.9 | 11.1 | 2.6 | +9.4% |