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FUNC Dividend DRIP Calculator 2026
2.25% YieldFinancial ServicesFirst United Corporation · NASDAQ
Price: $44.53 · Annual div: $1.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
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🎯 When FUNC pays your bills
Year your monthly dividend income covers each expense (based on current settings)
Share your FUNC snowball 📈
$10,000 in FUNC → $2.31M in 10 years · $7,192.42/month
About First United Corporation (FUNC) — Dividend Analysis 2026
First United Corporation acts as the holding company for First United Bank & Trust, which delivers a wide array of retail and commercial banking solutions to both businesses and individual customers. The bank offers a diverse portfolio of deposit accounts, encompassing standard checking, savings, and money market options, in addition to specialized choices like regular and Individual Retirement Account (IRA) certificates of deposit, Christmas savings, college savings, and health savings accounts. It also provides advanced cash management programs, such as the Certificate of Deposit Account Registry Service (CDARS) and Insured Cash Sweep (ICS), available to governmental entities, businesses, and consumers. For its business clientele, First United extends comprehensive packages that feature treasury management, cash sweeping services, and various checking account opportunities. Regarding lending, the corporation provides an extensive range of loan products. These include commercial loans collateralized by real estate, equipment, vehicles, or other business assets. It also offers commercial real estate financing for residential and commercial developments, agricultural properties, and service industry buildings. Individual customers can access residential mortgage loans, home equity lines of credit, and residential real estate construction loans. Furthermore, the bank issues direct and indirect auto loans, student loans, and a variety of secured and unsecured term loans and lines of credit. Beyond traditional banking, the company furnishes a comprehensive suite of trust services, including personal and charitable trusts, investment agency accounts, and full-service retirement planning solutions (such as IRA rollovers, 401(k) accounts, and defined benefit plans), alongside estate administration and planning expertise. Supplementary services offered include insurance products, brokerage facilities, and practical amenities like safe deposit boxes and night depository facilities. First United Corporation's operational network consists of 26 banking branches, a dedicated customer care center, and 34 automated teller machines. This presence extends across Allegany, Frederick, Garrett, and Washington counties in Maryland, as well as Mineral, Berkeley, Monongalia, and Harrison counties in West Virginia. Established in 1900, the company's headquarters are situated in Oakland, Maryland.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 FUNC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FUNC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.25% | -0.55% | $225 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.91% | -0.89% | $191 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.80% | -1.00% | $180 / yr |
| 🇬🇧 UK ISA | 0% | 2.25% | -0.55% | $225 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.05% | -0.75% | $205 / yr |
| 🇨🇦 TFSA | 0% | 2.25% | -0.55% | $225 / yr |
| 🇨🇦 CA Taxable | 25% | 1.69% | -1.11% | $169 / yr |
| 🇦🇺 Super (pension) | 15% | 1.91% | -0.89% | $191 / yr |
| 🇦🇺 AU Taxable | 30% | 1.57% | -1.22% | $158 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.66% | -1.14% | $166 / yr |
| 🇫🇷 FR Taxable | 30% | 1.57% | -1.22% | $158 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 FUNC Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FUNC Dividend Payment Schedule
FUNC pays quarterly — 4 times per year. Next ex-div: TBD.
📊 FUNC vs Financial Services Benchmarks
How FUNC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FUNC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FUNC Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-05-07 | 1,085 | — | — | ||
| D-Return | 2026-05-07 | 235 | — | — | ||
| D-Return | 2026-05-07 | 406 | — | — | ||
| A-Award | 2026-05-07 | 3,023 | — | — | ||
| F-InKind | 2026-05-07 | 2,638 | $37.54 | $99.0K | ||
| A-Award | 2026-05-27 | 1,000 | — | — | ||
| A-Award | 2026-05-27 | 1,000 | — | — | ||
| A-Award | 2026-05-27 | 1,395 | — | — | ||
| A-Award | 2026-05-27 | 1,395 | — | — | ||
| A-Award | 2026-05-27 | 1,263 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FUNC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
First United Corporation (FUNC) is currently trading at $44.53, trading near its 52-week high. The current dividend yield is 2.25% based on an annual payout of $1.00 per share.
FUNC (First United Corporation) — 2.25% Dividend Yield Analysis
First United Corporation (FUNC) is a financial services stock currently trading at $44.53 with a dividend yield of 2.25%. The company pays an annual dividend of $1.00 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, FUNC has grown its dividend at a compound annual rate of 76.6%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest FUNC News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.