Will First United stock go up?

According to Danelfin AI, First United has today an AI Score of 7/10 (Buy rating), because its probability of beating the market in 3 months (57.79%) is +6.98% vs. the average probability (50.82%) of all US-listed stocks.

What is the target price for First United stock?

The First United target price is $45.03 (1Y), according to the average price target offered by analysts.

Is it a good time to buy, sell, or hold First United stock right now?

First United has today a Buy rating (AI Score 7/10), according to Danelfin AI. Its probability of beating the market in 3 months (57.79%) is +6.98% vs. the average probability (50.82%) of all US-listed stocks, based on our AI-powered analysis. You can find more details on whether First United stock is a good buy .

Is First United undervalued right now?

Based on analysts, the average price target downside for First United is -2.53% (1Y). According to Danelfin AI, First United has today an AI Score of 7/10 (Buy Rating).

What was the price range of First United stock over the past 12 months?

The First United stock price range over the past 12 months has been $28.37 - $46.2.

What is going on with First United stock in the last 3 months?

The First United stock performance in the last quarter has been +26.09%.

Does First United offer dividend payments?

Yes, First United stock dividend yield is 2.17%.

What is the current market capitalization of First United?

First United's market cap is $297.7M, as of 2026-07-02 08:00.

When is the next FUNC earnings report date?

FUNC will publish its next earnings report on 2026-04-20.

First United Corp (FUNC) AI Stock Analysis

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FUNC AI-Powered Stock Analysis

AI Score Explanation

AI Score

Buy

Fundamental
Technical
Sentiment
Low Risk

According to Danelfin’s proprietary AI model, First United Corp today receives an AI Score of 7/10, which translates to a Buy rating. The stock has a 57% probability of outperforming the market in the next 3 months, which is 6% higher than the average probability of any stock (51%). The top positive contributors include the long tail of fundamentals impact (+4.75%), the Banks industry (+2.96%), and the 60-day chart pattern (+1.16%). On the detractor side, the 90-day chart pattern (-0.94%), the distance from the 20-day KAMA (-0.91%), and the 252-day chart pattern (-0.89%) weigh down the probability. Notable data points include a short float in the bottom 20% (0.79%), indicating low bearish sentiment, and operating cash flow in the top 50% (13.92), reflecting solid operational efficiency. However, the distance from KAMA (20d) is in the top 20% (0.077), suggesting the stock may be overbought in the short term, while the +DI (90d) is also in the top 20% (28.49), indicating strong buying pressure that could be fading. Overall, the positive fundamentals and industry tailwinds outweigh the technical headwinds, supporting the Buy rating.

AI Score Explanation

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Valuation+4.79%
How the stock is priced relative to its fundamentals
Sentiment+2.86%
How analysts and the market view the stock
Earnings Quality+1.02%
Stability and reliability of reported earnings
Size & Liquidity+0.25%
Company size and trading liquidity

Momentum-1.51%
Direction and strength of recent price movements
Profitability-0.43%
Profitability and operating efficiency metrics

FUNC probability advantage of beating the market (3M):

+6.98%

Fundamental

First United (FUNC) has a Fundamental Score of 7/10 because, according to only fundamental analysis, it has a probability advantage of +7.66% of beating the market (S&P500) in the next 3 months. This advantage is calculated as the difference between the average probability of any US-listed stock (50.48%) and the probability of FUNC (58.13%) of overperforming the market in the next 3 months, as determined by Danelfin AI’s fundamental analysis.

Average probability of any US-listed stock of beating the market (3M)50.48%
FUNC probability advantage of beating the market (only fundamental, 3M)+7.66%
FUNC probability of beating the market (3M)58.13%

FUNC probability advantage of beating the market (only fundamental, 3M): +7.66%

The AI-powered fundamental analysis of First United (FUNC) is only based on the 19 fundamental features that had the greatest impact on stock performance during the last 12 months (alpha signals). These alpha signals explain the probability advantage of FUNC:

Type	Alpha Signal	Probability Advantage Impact (3M)
Fundamental	Upgrade to Pro to unlock	+3.38%
Fundamental	Upgrade to Pro to unlock	+1.28%
Fundamental	Upgrade to Pro to unlock	-1.08%
Fundamental	Upgrade to Pro to unlock	+1.01%
Fundamental	Upgrade to Pro to unlock	+0.95%
Fundamental	Upgrade to Pro to unlock	+0.91%
Fundamental	Upgrade to Pro to unlock	-0.79%
Fundamental	Upgrade to Pro to unlock	+0.66%
Fundamental	Upgrade to Pro to unlock	-0.49%
Fundamental	Upgrade to Pro to unlock	+0.44%
Fundamental	Upgrade to Pro to unlock	+0.37%
Fundamental	Upgrade to Pro to unlock	+0.32%
Fundamental	Upgrade to Pro to unlock	+0.31%
Fundamental	Upgrade to Pro to unlock	+0.27%
Fundamental	Upgrade to Pro to unlock	+0.25%

Rest of Alpha Signals: -0.44%

FUNC probability advantage of beating the market (only fundamental, 3M)Total:+7.66%
FUNC Fundamental Score

Significant changes Vs previous day

FUNC Trading Parameters

These suggested trading parameters for a 3-month horizon help improve risk management and decision-making.

Entry:$46.20
Horizon: 3 months
Stop Loss:$XXXXXPro (XXXXXPro) or AI Score < 7/10
Take Profit:$XXXXXPro (XXXXX
Pro
) or AI Score < 7/10

FUNC Proven Buy Signal & Price Forecast

This is the price chart for FUNC from January 1, 2026 until today. The chart indicates, in green, the 77 days when the stock received a Buy/Strong Buy rating (buy signals, AI Score 7 to 10).

Forecast: In the section below, the central dotted line represents the most expected path, while the shaded area indicates the anticipated price range. This is based on previous Buy signals with a 90% confidence level.

Full Track Record

Unlock AI-powered forecast

Closing price (USD)
Buy signals

Forecast:

1 Month
3 Months
6 Months
1 Year

FUNC Average Past Performance & Win Rate

Three months after its 783 Buy signals since July 2026, FUNC had an average performance of xxxxxx and a xxxxxx Win rate (positive performance).

783 Past FUNC Buy Signals	1 Month Later	3 Months Later	6 Months Later	1 Year Later
Average Performance				+23.95%
Average Alpha				+8.88%
Win Rate (% Positive Perf.)				80.33%
% Positive Alpha				58.03%

FUNC Frequently Asked Questions

Will First United stock go up?
According to Danelfin AI, First United has today an AI Score of 7/10 (Buy rating), because its probability of beating the market in 3 months (57.79%) is +6.98% vs. the average probability (50.82%) of all US-listed stocks.
What is the target price for First United stock?
Is it a good time to buy, sell, or hold First United stock right now?
Is First United undervalued right now?
What was the price range of First United stock over the past 12 months?
What is going on with First United stock in the last 3 months?
Does First United offer dividend payments?
What is the current market capitalization of First United?
When is the next FUNC earnings report date?

First United Corp Company Profile

First United Corporation functions as the parent entity for First United Bank & Trust, supplying a plethora of retail and commercial banking solutions to businesses and individual clients. The bank proposes an extensive array of deposit options, encompassing checking, savings, and money market deposit accounts, and certificates of deposit.

The company's diverse loan portfolio embodies loans backed by real estate assets or business collateral such as equipment or vehicles; this range of commercial loans also caters to various sectors such as residential and commercial development, agriculture, and service industry buildings. Residential mortgages, home equity lines of credit, construction loans for residential real estate projects are part of their offerings. Other lending facilities comprise indirect and direct auto loans, student loans, term loans along with other secured and unsecured lines of credit.

First United Corporation also grants access to certificates of deposit valued in multiple millions and the insured cash sweep program catering to municipalities, businesses, and individuals seeking multi-million-dollar savings. It offers treasury management services coupled with cash sweep provisions and a multitude of checking services.

Supplementing its core banking operations is a suite of additional services that include personal trusts offering investment agency accounts & charitable trusts; retirement accounts provision with options like IRA roll-overs & 401(k) accounts; defined benefit plans; plus estate administration & planning assistance. Moreover, it delivers insurance products brokerage services while also offering safe deposit provisions as well as nighttime depository facilities.

Founded in 1984, First United Corporation has established its headquarters in Oakland, Maryland.

Sector:Financials
Country:United States
Industry:Banks
Address:19 SOUTH SECOND STREET, Oakland
Employees:329
Website:mybank.com

Pros

Stable deposit base from local communities

Net interest margin expansion in rising rate environments

High regulatory barriers to new entrants

Recurring fee income from banking services

Established customer relationships and switching costs

Cons

Net interest margin compression in falling rate environments

Inherent credit risk from loan portfolio

Substantial regulatory compliance costs

Capital intensity for balance sheet growth

Geographic concentration risk in lending

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FUNC Stock AI Analysis