Event-Driven Stocks

FIRST UNITED CORP/MD/

FUNCNasdaq

Financials · National Commercial Banks · MD · SEC filings ↗ · Compare ⊕

View price & chart on Yahoo Finance ↗
Signs● 3 good● 1 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$18.4M$17.7M$16.7M$16.2M$16.1M$13.3M
Operating income——————
Net income$24.5M$20.6M$15.1M$25.0M$19.8M$13.8M
Total assets$2.09B$1.97B$1.91B$1.85B$1.73B$1.73B
Total liabilities$1.88B$1.79B$1.74B$1.70B$1.59B$1.60B
Equity$203.6M$179.3M$161.9M$151.8M$141.9M$131.0M
EPS (diluted)$3.77$3.15$2.25$3.76$2.95$1.97
Shares out.6.5M6.6M6.7M6.6M7.0M7.1M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
133.0%
Return on equity
12.0%
Return on assets
1.2%
Return on capital (ROCE)
—
Liabilities / assets
90.2%
Debt / equity
9.25×
Book value / share
$31.46
Revenue growth (YoY)
4.0%
Net income growth (YoY)
19.2%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
0.2%clean
Piotroski F-Score
5/7mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
70
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 67Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 1 warning● 3 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • High leverage (liabilities > 70% of assets)
  • Revenue is growing year-over-year
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 202643,9153.3-21.1%
Apr 30, 202655,6625.5+0.2%
Apr 15, 202655,5388.3-4.5%
Mar 31, 202658,1674.8-10.3%
Mar 13, 202664,8533.7+35.5%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)