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ATLO (68) QNBC (70) BPRN (62) OVLY (66) ⌘ Pro Terminal β†’

First United Corporation (FUNC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$46.62 +1.70% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $46.67

First United Corporation (FUNC) carries a Roarable Rating of C+ (Hold) with 67/100 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+ β€’ HOLD / WATCH Cap $295.8M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FUNC Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is FUNC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, First United Corporation (NASDAQ: FUNC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $46.62 (+1.70% 1D, market cap $295.8M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, FUNC ranks #177 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does FUNC compare to ATLO and QNBC in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), FUNC carries a Roarable C+ (67/100 RQD), trailing P/E of 12.1x, gross margin of β€”, and ROIC of 12.0%. By comparison, ATLO (Ames National Corporation) holds a C+ grade (68/100 RQD, P/E 15.8x, ROIC 9.2%, cap $296.8M) and QNBC (QNB Corp.) posts a B- grade (70/100 RQD, P/E 20.8x, ROIC 10.9%, cap $293.0M). Among the 5-stock peer group, OVLY leads on earnings multiple (9.4x) while OVLY leads on capital efficiency (14.8% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FUNC?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $46.68 (+0.12%)🧬 Cannibal Buyback (-2.64% YoY Shares)βš™οΈ Cash Engine: 9/20 (D) β€’ 83.6% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY β€’ 56.4% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510067
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw C+ Β· Rk C+
Cash (9)Whales (14)SEC (13)Macro (14)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+4.1% Base Target
$57 Bull$49 Base$38 Bear
πŸ“¬ FREE FUNC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for FUNC)Realized 20D OHLCV Swing Band: Β±5.8%
Deterministic 5-Pillar Attribution (67/100 Composite)
πŸ” WHY FUNC SCORES 67/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

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

β–² #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (Β±5.8% realized swing band)

β–Ό #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 0% operating margin leave 11 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
59
Grade C$44.09-5.1% Next Q
Q2 (-2Q)
62
Grade C+$41.85+10% Next Q
Q3 (-1Q)
64
Grade C+$46.03+1.3% Next Q
Current
67
Grade C+$46.62+1.6% Hist 90D Ξ±
Trajectory: C (59) β†’ C+ (67)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the FUNC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 67/100 (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) β€” 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 ($43.99) or 200D SMA ($40.84) invalidates the momentum regime and cuts Target Base ($48.51) toward Bear Floor ($37.84).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FUNCβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œFUNC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 67%NO 33%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How FUNC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$15.4M (83.6% FCF Margin)
Revenue$18.4MGross Profit $9.6M (52%)Cost of Sales $8.8MOp Profit $0 (0%)OpEx (R&D/SG&A) $9.6MNet Profit$24.5M (133%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $16.7M
FY24
Rev $17.7M
FY25
Rev $18.4M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$18.4M52%0%$24.5M$15.4M12%
FY 2024$17.7M52%0%$20.6M$20.4M12%
FY 2023$16.7M52%0%$15.1M$22.5M12%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FUNC)

  • βœ“Walkthrough of FUNC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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FUNC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.97%⚑ TESTING RESISTANCE
2026-11-03O $46.02H $46.62L $45.84C $46.62VOL 14.9K
RES: $46.72SUP: $41.26SMA50: $43.99SMA200: $40.84
$47.41$44.49$41.57$38.65$35.73RES $46.72SUP $41.26$46.622026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ FUNC Butterfly Map β†’ + Track FUNC β†’
Share Count & Dilution Monitor

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

Reverse-DCF Expectations Hurdle
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

No active Ellis Vennor swing setup published on FUNC today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FUNC)

Financials Rank #177 of 1097 βš”οΈ ATLO vs FUNC Full Matrix β†’

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

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, First United Corporation (FUNC) ranks #177 by composite RQD confidence (67/100, grade C+) and #810 by equity capitalization ($295.8M). Within this direct 5-issuer industry benchmark cohort, OVLY leads on earnings valuation at 9.4x trailing P/E, while OVLY leads on capital efficiency and profitability with 14.8% ROIC and β€” gross margin. QNBC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with FUNC at 67/100 (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+ 67/100 12.1x β€” 12.0% +1.70% $295.8M Benchmark Subject
ATLO
Ames National Corporation
C+ 68/100 15.8x β€” 9.2% +2.18% $296.8M /atlo-vs-func β†’
QNBC
QNB Corp.
B- 70/100 20.8x β€” 10.9% +0.72% $293.0M /qnbc-vs-func β†’
BPRN
Princeton Bancorp Inc. (PA)
C 62/100 15.8x β€” 6.9% +2.26% $292.9M /bprn-vs-func β†’
OVLY
Oak Valley Bancorp (CA)
C+ 66/100 9.4x β€” 14.8% +1.22% $289.6M /ovly-vs-func β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000763907 β†—

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 β€”
FY2024 (FY) 2024-12-31 $17.7M $20.6M $22.3M $20.4M $1.97B β€”
FY2023 (FY) 2023-12-31 $16.7M $15.1M $22.5M $22.5M β€” β€”

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

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-03, First United Corporation (NASDAQ: FUNC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $46.62 (+1.70% 1D, market cap $295.8M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, FUNC ranks #177 in composite RQD confidence.

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

Within the Financials sector (Major Banks), FUNC carries a Roarable C+ (67/100 RQD), trailing P/E of 12.1x, gross margin of β€”, and ROIC of 12.0%. By comparison, ATLO (Ames National Corporation) holds a C+ grade (68/100 RQD, P/E 15.8x, ROIC 9.2%, cap $296.8M) and QNBC (QNB Corp.) posts a B- grade (70/100 RQD, P/E 20.8x, ROIC 10.9%, cap $293.0M). Among the 5-stock peer group, OVLY leads on earnings multiple (9.4x) while OVLY leads on capital efficiency (14.8% 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 $46.62 (+1.70% on volume of 21,278 shares), positioning the stock +5.98% above its 50-day simple moving average ($43.99) and +14.15% above its 200-day simple moving average ($40.84). Across its 52-week range of $33.90 to $46.71, FUNC sits at the 99.3% percentile with a 14-day RSI of 58.4 (BULLISH MOMENTUM) and an implied next-earnings move of Β±5.8% ($43.92 to $49.32).

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
ROARABLE RATING BRIEF β€’ RQD 67/100 (C+) βœ“ SEC XBRL & RQD VERIFIED

FUNC β€” First United Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First United Corporation (FUNC) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $46.62 (+1.70% 1D, market capitalization $295.8M).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 12.0%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 5.19%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

First United Corporation (FUNC) is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry. β€” Its market capitalization is $0.3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First United Corporation (FUNC) reported $18.4M in annual revenue (up from $17.7M in FY2024, +4.0% YoY) and $24.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($16.7M revenue, $15.1M net income) through FY2025, FUNC scaled operating cash flow to $19.4M and free cash flow to $15.4M, backed by $2.09B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C+ β€’ RQD 67/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 5.19% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $33.90 – $46.71 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.1x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream links and no proprietary signals are recorded for FUNC, so no supply-chain dependencies can be mapped. The only sector context available is the Financials / Major Banks classification. Sector correlation data, sector-wide bottlenecks, and second-order ripple effects are β€” An investor should watch whether the Q3 earnings-miss headline in the news feed translates into the broader sector narrative, but the source does not establish that linkage.

  • Key Question #1: Can FUNC sustain or expand its β€” operating margin and 12.0% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $18.4M and free cash flow of $15.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FUNC's 11.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FUNC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First United Corporation (FUNC) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to FUNC Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FUNC Bull vs. Bear Conversation Board β€” What's Your Call at $46.62?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FUNC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FUNC:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER β€’ Systematic Momentum Desk πŸ‚ BULLISH 🎯 Target: $57.76 (+26.0%)
πŸ“Œ Pinned Debate

Insider conviction scores 17 of 20, the strongest RQD pillar, on SEC Form 4 and Congressional PTR cluster flow.

Long FUNC at $45.84 targeting $57.76. Insider conviction scores 17 of 20, the strongest RQD pillar, on SEC Form 4 and Congressional PTR cluster flow.. Institutional whale score is 14/20 and the risk/reward vs. the $33.90 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd πŸ‚ BULL

@QuantViper Agree on the RQD 67/100 quality, though with 1.0 beta I'm scaling in with half-size at $45.84 and keeping dry powder in case we test $42.63.

ME MeanReversion_88 RQD DEBATE OPENER β€’ Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $34.84 (-24.0%)
Spot @ $45.84

A Q3 earnings-miss headline is flagged RISK WATCH while the forensic balance sheet scores only 13 of 20 with a Piotroski F-Score of 4/9

Fading this rally in FUNC at $45.84. A Q3 earnings-miss headline is flagged RISK WATCH while the forensic balance sheet scores only 13 of 20 with a Piotroski F-Score of 4/9.. With a beta of 1.0 and the stock sitting at $45.84 (52-wk range $33.90–$46.71), the easy multiple expansion is already priced in.

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