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First United Corporation (FUNC) — RQD Stock Rating Cockpit

$46.02 +0.42% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

First United Corporation (FUNC) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $297.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FUNC)Realized 20D OHLCV Swing Band: ±6.1%

RSI-14 MOMENTUMBULLISH MOMENTUM

58.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE95% OF RANGE

L: $34$46.02H: $47

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on FUNC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (45)

12.0% ROIC with 42.0% gross margin and 5.19% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (68)

25/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like FUNC

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FUNC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FUNC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.84%⚡ TESTING RESISTANCE

2026-10-30O $46.34H $46.34L $45.68C $46.02VOL 14.8K

RES: $45.96SUP: $41.27SMA50: $43.88SMA200: $40.77

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FUNC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FUNC Butterfly Map → + Track FUNC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

2.7%/yr Implied 5Y Growth

vs. +4.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FUNC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FUNC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FUNC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FUNC)

Financials Rank #402 of 1096 ⚔️ ATLO vs FUNC Full Matrix →

1. Head-to-Head Financials Peer Comparison (FUNC vs. ATLO, BPRN, QNBC, ISBA)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First United Corporation (FUNC) ranks #402 by composite RQD confidence (63/100, grade C) and #810 by equity capitalization ($297.0M). Within this direct 5-issuer industry benchmark cohort, FUNC leads on earnings valuation at 12.1x trailing P/E, while FUNC leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. QNBC currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with FUNC at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FUNC ACTIVE First United Corporation	C	63/100	12.1x	—	12.0%	+0.42%	$297.0M	Benchmark Subject
ATLO Ames National Corporation	C-	61/100	15.8x	—	9.2%	+0.24%	$299.9M	/atlo-vs-func →
BPRN Princeton Bancorp Inc. (PA)	D+	57/100	15.8x	—	6.9%	-3.43%	$293.6M	/bprn-vs-func →
QNBC QNB Corp.	C+	66/100	20.8x	—	10.9%	-0.32%	$293.1M	/qnbc-vs-func →
ISBA Isabella Bank Corporation	C-	61/100	16.0x	—	8.2%	+0.84%	$302.8M	/isba-vs-func →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000763907

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First United Corporation (FUNC) reported GAAP revenue of $18.4M (+4.0% vs. FY2024 revenue of $17.7M , and +10.5% cumulative change since FY2023) , GAAP net income of $24.5M, operating cash flow of $19.4M, and free cash flow of $15.4M (-24.3% YoY). On the balance sheet, FUNC closed FY2025 with $2.09B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$18.4M	$24.5M	$19.4M	$15.4M	$2.09B	—
FY2024 (FY)	2024-12-31	$17.7M	$20.6M	$22.3M	$20.4M	$1.97B	—
FY2023 (FY)	2023-12-31	$16.7M	$15.1M	$22.5M	$22.5M	—	—

3. FUNC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FUNC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, First United Corporation (NASDAQ: FUNC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $46.02 (+0.42% 1D, market cap $297.0M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, FUNC ranks #402 in composite RQD confidence.

How does FUNC compare to ATLO and BPRN in the Financials sector?

Within the Financials sector (Major Banks), FUNC carries a Roarable C (63/100 RQD), trailing P/E of 12.1x, gross margin of —, and ROIC of 12.0%. By comparison, ATLO (Ames National Corporation) holds a C- grade (61/100 RQD, P/E 15.8x, ROIC 9.2%, cap $299.9M) and BPRN (Princeton Bancorp Inc. (PA)) posts a D+ grade (57/100 RQD, P/E 15.8x, ROIC 6.9%, cap $293.6M). Among the 5-stock peer group, FUNC leads on earnings multiple (12.1x) while FUNC leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FUNC?

Per FUNC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000763907), First United Corporation generated $18.4M in revenue (+4.0% YoY), $24.5M in net income, and $15.4M in free cash flow against $2.09B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FUNC trading relative to its 50-day, 200-day, and 52-week technical levels?

FUNC last traded at $46.02 (+0.42% on volume of 19,449 shares), positioning the stock +4.88% above its 50-day simple moving average ($43.88) and +12.88% above its 200-day simple moving average ($40.77). Across its 52-week range of $33.90 to $46.71, FUNC sits at the 94.6% percentile with a 14-day RSI of 58.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.1% ($43.21 to $48.83).

FUNC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FUNC stock right now?

First United Corporation (FUNC) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid steady margins (12% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.

What is FUNC's 12-month price target and RQD AI Jury consensus?

FUNC's 12-month base price target is $47.06 (range $36.71 to $55.53), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: FUNC RQD Cockpit FUNC 12M Forecast FUNC Earnings & Move FUNC Dividends & DRIP FUNC Insiders & 13F FUNC Whale Options FUNC Profit Sankey FUNC News & Why