What is the 13F Pro Quality Score for FUNC?

13F Pro ranks FIRST UNITED CORP/MD/ (FUNC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FUNC's current score at https://13fpro.ai/company/FUNC (free sign-up required for the full ranking).

Where does 13F Pro source FUNC data?

All FIRST UNITED CORP/MD/ fundamentals and ownership data come directly from SEC EDGAR. FIRST UNITED CORP/MD/ files with the SEC under CIK 763907. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FUNC in?

FIRST UNITED CORP/MD/ (FUNC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is FUNC research updated on 13F Pro?

FUNC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FIRST UNITED CORP/MD/(FUNC)Stock Analysis

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SEC EDGAR: CIK 763907 FUNC stock profile & AI dashboard →

13F Pro Quality Score

52.5/100

Rank #1,457 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

61.1/100

Profitability

84.3/100

Balance Sheet

45.9/100

Earnings Quality

49.5/100

Free Cash Flow

81.5/100

Institutional Flow

54.1/100

Revenue Scale

14.7/100

Dilution Risk

27.5/100

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Why FUNC Scores 53/100

exact factor attribution · 2026-09-11

FUNC's composite is driven by profitability and free cash flow, held back by scale and shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+6.9 pts

84th pct

Free cash flow

+4.7 pts

82th pct

Revenue growth

+3.0 pts

61th pct

Earnings growth

+1.5 pts

72th pct

Institutional flow

+0.3 pts

54th pct

Earnings quality

-0.1 pts

50th pct

Capital efficiency

-0.6 pts

46th pct

Shareholder dilution

-1.5 pts

28th pct

Scale

-7.1 pts

15th pct

Latest change (2026-08-06): 36 → 34 · ↓ Earnings growth 88→64

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FUNC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for FIRST UNITED CORP/MD/ (FUNC), a Financials sector company. 13F Pro's AI-powered ranking engine scores FUNC at 52.5/100 on a 32-signal composite quality model, placing it at rank #1,457 of 2,962 stocks — the top half of the AI-ranked universe. FUNC scores in the top quartile across profitability (84.3), free cash flow (81.5). Areas of concern include revenue scale (14.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 27.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), FIRST UNITED CORP/MD/ reports quarterly revenue of $23.9M, net income of $5.7M, an operating margin of 30.9%. Top institutional holders of FUNC by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. FUNC trades on the Nasdaq exchange and files with the SEC under CIK 763907. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FUNC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST UNITED CORP/MD/ directly from SEC EDGAR. FIRST UNITED CORP/MD/'s 13F Pro composite quality score has ranged between 34 and 62 since 2025, currently 52.5 — a declining long-term trajectory across 50 quarterly and live scoring snapshots.

✦

Fun facts about FIRST UNITED CORP/MD/

Quirks, history, and lore behind FUNC — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company in the financials sector · listed on Nasdaq · headquartered in a small town in western Maryland.
2
The Numbers
A micro-cap institution with total assets in the range of roughly $2 billion — the kind of bank where the branch manager probably knows your name.
3
The History
Rooted in the Appalachian foothills of Maryland, this holding company has served rural and small-town communities for well over a century through its subsidiary bank.
4
The Secret
Its core business is traditional community banking — deposits, loans, and mortgages — in a region where the big national banks rarely bother to set up shop.
5
The Lore
The company is headquartered in a town called Accident — yes, that's a real place — giving it arguably the most entertainingly named HQ address of any Nasdaq-listed financial.
6
The Giveaway
Ticker FUNC, home base of Accident, Maryland, and a holding company whose name starts with the word "First" — as in, first and only bank in many of the towns it serves.

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Revenue

Q2 2026

$23.9M

Net Income

Q2 2026

$5.7M

Free Cash Flow

Q2 2026

$4.7M

Operating Margin

Q2 2026

30.9%

ROIC

Q2 2026

9.5%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+11.1% YoY

$88.7MFY 2025

FY22 $75.7MFY23 $71.3MFY24 $79.8MFY25 $88.7M

Net Income

+19.2% YoY

$24.5MFY 2025

FY22 $25.0MFY23 $15.1MFY24 $20.6MFY25 $24.5M

EPS (Diluted)

+19.7% YoY

$3.77FY 2025

FY22 $3.76FY23 $2.25FY24 $3.15FY25 $3.77

Total Assets

+5.8% YoY

$2.09BFY 2025

FY22 $1.85BFY23 $1.91BFY24 $1.97BFY25 $2.09B

Total Debt

-39.0% YoY

$113.6MFY 2025

FY22 $95.5MFY23 $156.3MFY24 $186.3MFY25 $113.6M

Op. Cash Flow

-13.0% YoY

$19.4MFY 2025

FY22 $26.5MFY23 $22.5MFY24 $22.3MFY25 $19.4M

Free Cash Flow

-24.3% YoY

$15.4MFY 2025

FY22 $23.0MFY23 $22.1MFY24 $20.4MFY25 $15.4M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$88.7M +11.1%	$79.8M +11.9%	$71.3M -5.7%	$75.7M +3.3%	$73.3M +9.2%	$67.1M
Net Income	$24.5M +19.2%	$20.6M +36.6%	$15.1M -39.9%	$25.0M +26.7%	$19.8M +42.8%	$13.8M
EPS (Diluted)	$3.77 +19.7%	$3.15 +40.0%	$2.25 -40.2%	$3.76 +27.5%	$2.95 +49.7%	$1.97
Total Assets	$2.09B +5.8%	$1.97B +3.5%	$1.91B +3.1%	$1.85B +6.8%	$1.73B -0.2%	$1.73B
Total Debt	$113.6M -39.0%	$186.3M +19.2%	$156.3M +63.7%	$95.5M +7.7%	$88.6M -40.9%	$150.1M
Operating Cash Flow	$19.4M -13.0%	$22.3M -0.8%	$22.5M -15.3%	$26.5M +32.6%	$20.0M +23.8%	$16.2M
Free Cash Flow	$15.4M -24.3%	$20.4M -8.0%	$22.1M -3.7%	$23.0M +21.6%	$18.9M +29.7%	$14.6M

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Available Research

13F Pro tracks comprehensive data for FIRST UNITED CORP/MD/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FUNC

BlackRock, Inc.
$20.1M456,248 sh
DIMENSIONAL FUND ADVISORS LP
$16.0M361,916 sh
VANGUARD CAPITAL MANAGEMENT LLC
$11.9M269,289 sh
GENDELL JEFFREY L
$7.9M178,352 sh
De Lisle Partners LLP
$7.3M164,390 sh
GEODE CAPITAL MANAGEMENT, LLC
$6.7M151,702 sh
Huber Capital Management LLC
$5.3M119,937 sh
AMERICAN CENTURY COMPANIES INC
$5.0M113,551 sh
RENAISSANCE TECHNOLOGIES LLC
$4.9M111,195 sh
ACADIAN ASSET MANAGEMENT LLC
$4.7M106,844 sh

Fund	Value	Shares
BlackRock, Inc.	$20.1M	456,248
DIMENSIONAL FUND ADVISORS LP	$16.0M	361,916
VANGUARD CAPITAL MANAGEMENT LLC	$11.9M	269,289
GENDELL JEFFREY L	$7.9M	178,352
De Lisle Partners LLP	$7.3M	164,390
GEODE CAPITAL MANAGEMENT, LLC	$6.7M	151,702
Huber Capital Management LLC	$5.3M	119,937
AMERICAN CENTURY COMPANIES INC	$5.0M	113,551
RENAISSANCE TECHNOLOGIES LLC	$4.9M	111,195
ACADIAN ASSET MANAGEMENT LLC	$4.7M	106,844

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Is FUNC a good stock to buy?

13F Pro's AI-powered analysis of FIRST UNITED CORP/MD/ (FUNC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FUNC are available on the FUNC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FUNC is classified as a small company.

Which hedge funds own FUNC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FUNC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST UNITED CORP/MD/'s investment landscape.