Stock Ratings / Financials / FUNC / dividends

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First United Corporation (FUNC) Dividend Safety Gauge & 10-Year DRIP Compounder

$46.02 +0.42% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $45.97

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.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

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

EXT / AFTER-HRS: $45.97 (-0.11%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 83.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY FUNC SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+16/20 pts (25% of score)

FRED Regime × Technicals: 95% of 52W Range • RSI-14 at 58.9 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$43.15+2.5% Next Q

Q2 (-2Q)

Grade C$44.24+3.8% Next Q

Q3 (-1Q)

Grade C$45.93+0.2% Next Q

Current

Grade C$46.02+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FUNC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, FUNC faces multiple-compression risk if 12.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($43.88) or 200D SMA ($40.77) invalidates the momentum regime and cuts Target Base ($47.06) toward Bear Floor ($36.71).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FUNC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FUNC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.81% Total Yield

2.01% Cash ($0.93/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

25.2% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $20,230

Est. Year-10 Shareholder Yield: $771/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.5K

Yr 2

$12.4K

Yr 3

$13.3K

Yr 4

$14.2K

Yr 5

$15.3K

Yr 6

$16.4K

Yr 7

$17.6K

Yr 8

$18.9K

Yr 9

$20.2K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in FUNC & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on FUNC and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal 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

Does FUNC pay a dividend and is it safe?

First United Corporation (FUNC) offers a 2.01% cash dividend yield ($0.93 annualized) and 3.81% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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