MARKET WIREReuters • 3h ago
Iran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz - ReutersIran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz Reuters
Why FUNC Stock advanced +0.42% Today — RQD Quant Desk Flash
$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.
ROARABLE C • HOLD / WATCH
Cap $297.0M
INTERACTIVE SCENARIO DECK:
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
55
Q2 (-2Q)Grade C$44.24+3.8% Next Q
58
Q3 (-1Q)Grade C$45.93+0.2% Next Q
60
CurrentGrade C$46.02+0.9% Hist 90D α
63
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why FUNC Stock advanced +0.42% Today — RQD Quant Desk Flash
First United Corporation (FUNC) advanced +0.42% to $46.02, trading at 95% of its 52-week range ($33.9 – $46.71). Solid steady margins (12% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 95% of its 52-week range ($33.9 – $46.71) with RSI-14 at 58.9 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±6.1% around $46.02 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $15.4M annual free cash flow.
Live FUNC Headlines & Catalysts
MARKET WIRECNBC • 5h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
MARKET WIRECNBC • 6h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 7h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 8h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 9h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 9h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 10h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
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?
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
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 0000763907In 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 ENABLEDIs 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 × FREDWhy is FUNC stock moving today?
Why FUNC Stock advanced +0.42% Today — RQD Quant Desk Flash. Solid steady margins (12% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.