FUNC · First United Corp/MD/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q3 '23 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $8.84M | - | $9.24M | $7.96M | $7.70M | - | $7.70M | $6.52M | $5.83M | - |
| Interest Expense | - | - | - | - | - | - | - | $7.88M | $7.18M | - |
| Income Tax | $2.18M | - | $2.29M | $1.98M | $1.89M | - | $1.93M | $1.61M | $1.32M | - |
| Net Income | $6.66M | - | $6.95M | $5.98M | $5.81M | - | $5.77M | $4.91M | $4.51M | - |
| EPS - Basic | $1.03 | - | $1.07 | $0.92 | $0.90 | - | $0.89 | $0.75 | $0.67 | - |
| EPS - Diluted | $1.03 | - | $1.07 | $0.92 | $0.89 | - | $0.89 | $0.75 | $0.67 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q3 '23 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $89.85M | $131.61M | $95.17M | $79.11M | $84.43M | $78.33M | $62.39M | $45.09M | $86.93M | $49.75M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.04B | $2.09B | $2.02B | $2.01B | $1.98B | $1.97B | $1.92B | $1.87B | $1.91B | $1.91B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $30.93M | $95.93M | $95.93M | $120.93M | $120.93M | $120.93M | $120.93M | $70.93M | $70.93M | $110.93M |
| Total Liabilities | $1.83B | $1.88B | $1.82B | $1.82B | $1.80B | $1.79B | $1.74B | $1.70B | $1.75B | $1.74B |
| Stockholders' Equity | $205.26M | $203.63M | $199.10M | $191.15M | $183.69M | $179.29M | $173.98M | $164.18M | $165.48M | $161.87M |
| Retained Earnings | $212.25M | $207.28M | $203.20M | $197.94M | $193.38M | $189.00M | $184.24M | $179.89M | $176.27M | $173.90M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q3 '23 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $13.92M | - | - | - | $6.96M | - | - | - | $3.59M | - |
| Investing Cash Flow | ($4.39M) | - | - | - | ($3.19M) | - | - | - | $28.29M | - |
| Financing Cash Flow | ($51.29M) | - | - | - | $2.33M | - | - | - | $5.30M | - |
| CapEx | $908.0K | - | - | - | $585.0K | - | - | - | $65.0K | - |
| Free Cash Flow | $13.01M | - | - | - | $6.38M | - | - | - | $3.52M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q3 '23 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.95 | - | - | - | 1.10 | - | - | - | 0.78 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 24.6% | - | 24.8% | 24.8% | 24.6% | - | 25.1% | 24.6% | 22.6% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.3% | - | 0.3% | 0.3% | 0.2% | - |
| Return on equity | 3.2% | - | 3.5% | 3.1% | 3.2% | - | 3.3% | 3.0% | 2.7% | - |
| Return on invested capital | 2.8% | - | 2.4% | 1.9% | 1.9% | - | 2.0% | 2.1% | 1.9% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.15 | 0.47 | 0.48 | 0.63 | 0.66 | 0.67 | 0.70 | 0.43 | 0.43 | 0.69 |
| Debt / Assets | 0.02 | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.06 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.8x | 0.8x | - |
| Equity multiplier | 9.93 | 10.25 | 10.17 | 10.50 | 10.78 | 11.00 | 11.01 | 11.38 | 11.56 | 11.77 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.90 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.92 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 35.6x | - | 34.4x | 33.7x | 33.7x | - | 33.5x | 27.2x | 34.2x | - |
| P / B | 1.2x | - | 1.2x | 1.1x | 1.1x | - | 1.1x | 0.8x | 0.9x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 14.9% | - | 20.0% | 22.1% | - | - | 32.0% | 11.7% | -39.3% | - |
| Net income growth (YoY) | 14.8% | - | 20.4% | 21.8% | - | - | 27.9% | 11.3% | -34.9% | - |
| EPS growth (YoY) | 15.7% | - | 20.2% | 22.7% | - | - | 32.8% | 13.6% | -35.6% | - |
| EPS CAGR (3y) | 16.6% | - | 1.0% | 3.9% | 1.1% | - | 10.5% | 4.4% | 2.1% | - |
| EPS CAGR (5y) | 16.0% | - | 11.2% | 20.0% | 28.9% | - | - | - | - | - |
| FCF growth (YoY) | 103.9% | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | 11.2% | - | - | - | 17.2% | - | - | - | - | - |
| Book value growth (YoY) | 11.7% | 13.6% | 14.4% | 16.4% | - | 10.8% | 5.1% | 5.8% | 25.3% | 6.6% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$18.43M totalTrust Department$9.82M · 53.3%
Debit Card Income$4.06M · 22.0%
Service Charges$2.25M · 12.2%
Brokerage Commissions$1.45M · 7.8%
Other Service Charges$845.0K · 4.6%
Peer comparison
Same SIC group: National Commercial Banks
Comparing FIRST UNITED CORP/MD/ against the 5 most active filers in the same SIC group.
Dividends
$1.00/share trailing 12 months · +16.3% YoY
| Ex-date | Per share |
|---|---|
| Apr 17, 2026 | $0.2600 |
| Jan 16, 2026 | $0.2600 |
| Oct 17, 2025 | $0.2600 |
| Jul 18, 2025 | $0.2200 |
| Apr 17, 2025 | $0.2200 |
| Jan 17, 2025 | $0.2200 |
| Oct 18, 2024 | $0.2200 |
| Jul 18, 2024 | $0.2000 |
| Apr 16, 2024 | $0.2000 |
| Jan 17, 2024 | $0.2000 |
| Oct 17, 2023 | $0.2000 |
| Jul 17, 2023 | $0.2000 |
| Apr 14, 2023 | $0.2000 |
| Jan 12, 2023 | $0.1800 |
| Oct 17, 2022 | $0.1500 |
| Jul 15, 2022 | $0.1500 |
| Apr 14, 2022 | $0.1500 |
| Jan 13, 2022 | $0.1500 |
| Oct 15, 2021 | $0.1500 |
| Jul 16, 2021 | $0.1500 |
| Apr 16, 2021 | $0.1500 |
| Jan 14, 2021 | $0.1300 |
| Oct 15, 2020 | $0.1300 |
| Jul 16, 2020 | $0.1300 |