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FIRST UNITED CORP/MD/

FUNC

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Financial Statements

Values in Millions ($)
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Subscriber-only column
Assets
Cash And Due From Banks
8489130927783776144864879
Interest Bearing Deposits In Banks
112322111112
Cash And Cash Equivalents At Carrying Value
8590132957984786245875081
Debt Securities Available For Sale Amortized Cost …
-----------114
Debt Securities Available For Sale Excluding Accru…
1081091071051041009493939697-
Debt Securities Held To Maturity Excluding Accrued…
--------174183214216
Debt Securities Held To Maturity Excluding Accrued…
170173171173175174175174--214-
Equity Securities Fv Ni Current And Noncurrent
11-111------
Restricted Investments
225566663355
Loans Held For Sale Fair Value Disclosure
-0010-100000
Financing Receivable Excluding Accrued Interest Be…
-1,525-1,4971,5021,4801,4811,4481,4231,4121,4071,380
Financing Receivable Loan In Process
--1--0-1-0-0-0-0-0-0-0
Financing Receivable Allowance For Credit Loss Exc…
--20--19-19-18-18-18-18-18-17-17
Financing Receivable Excluding Accrued Interest Af…
-1,505-1,4771,4831,4611,4621,4301,4051,3941,3891,363
Property Plant And Equipment Net
303030303030303130303133
Intangible Assets Net Including Goodwill
1111----------
Bank Owned Life Insurance
515050505049494948484847
Deferred Income Tax Assets Net
899891010911111113
Real Estate Acquired Through Foreclosure
-11333333445
Other Foreclosed Assets
3333333---0-
Operating Lease Right Of Use Asset
111111111112
Defined Benefit Plan Assets For Plan Benefits Nonc…
24202121191618161313117
Accrued Investment Income Receivable
878777777877
Other Assets
252426312722232322222323
Assets
2,0822,0392,0872,0242,0071,9801,9731,9161,8691,9131,9061,928
Liabilities And Stockhold…
Liabilities
Noninterest Bearing Deposit Liabilities Domestic
441451453430426422427419424423428430
Interest Bearing Deposit Liabilities Domestic
1,2941,2991,2821,2491,1881,2011,1481,1211,1131,1411,1231,145
Deposits Domestic
1,7361,7511,7351,6791,6141,6241,5751,5401,5371,5631,5511,575
Short Term Borrowings
692018205120655063794553
Long Term Debt
313196961211211211217171111111
Operating Lease Liability
111111111122
Defined Benefit Plan Benefit Obligation
9999888101010107
Off Balance Sheet Credit Loss Liability
111111111111
Interest Payable Current And Noncurrent
111111021111
Other Liabilities
201921171719201519192321
Dividends Payable Current And Noncurrent
222211111111
Liabilities
1,8701,8341,8841,8251,8161,7961,7941,7421,7041,7471,7441,773
Stockholders Equity
Common Stock Value
000000000000
Additional Paid In Capital
201922212121202020242425
Retained Earnings Accumulated Deficit
216212207203198193189184180176174173
Accumulated Other Comprehensive Income Loss Net Of…
-23-26-25-25-28-30-30-31-36-35-36-44
Stockholders Equity
212205204199191184179174164165162155
Liabilities And Stockholders Equity
2,0822,0392,0872,0242,0071,9801,9731,9161,8691,9131,9061,928
Debt Securities Held To Maturity Allowance For Cre…
000000000000
Held To Maturity Securities Fair Value
146149149149148147145149143152184177
Common Stock Par Or Stated Value Per Share
0.010.010.010.010.01-0.01-0.010.010.010.01
Common Stock Shares Authorized
252525252525252525252525
Common Stock Shares Issued
666666666777
Shares Outstanding
666666666777

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
20263.24%18.54%17.04%---------
2025-1.99%-4.70%11.97%4.91%2.61%-1.18%6.98%8.52%3.71%3.09%4.45%10.88%
2024-11.05%-9.37%23.80%6.89%10.15%15.88%5.91%0.62%-2.71%-13.53%0.05%-3.95%
2023----1.19%-3.10%-1.38%11.21%34.42%31.78%3.06%4.69%-7.54%

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Performance and Valuation Metrics

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Metrics
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Leverage & Debt
Interest Coverage TTM
9.37
8.03
7.33
7.08
7.20
3.59
2.48
1.85
1.62
1.64
1.80
2.42
Per Share Metrics
Diluted EPS TTM
3.88
3.91
3.77
3.83
3.65
3.49
3.15
2.49
2.28
2.16
2.25
3.01
Free Cash Flow Per Share TTM
4.03
3.40
2.37
2.53
2.60
3.59
3.12
2.61
3.82
3.35
3.31
3.49
Dividend Per Share TTM
1.00
0.96
0.92
0.88
0.86
0.84
0.82
0.82
0.82
0.80
0.78
0.73
Margin Metrics
Gross Profit Margin TTM
69.42%
68.46%
67.54%
66.88%
66.36%
66.04%
65.20%
54.57%
54.45%
55.21%
58.85%
75.80%
Operating Profit Margin TTM
31.91%
32.86%
32.26%
33.58%
32.85%
31.93%
29.60%
23.39%
21.83%
21.83%
24.00%
34.35%
Net Profit Margin TTM
24.14%
24.75%
24.31%
25.32%
24.76%
24.08%
22.36%
17.84%
16.84%
16.88%
18.56%
26.56%
Growth Metrics
Net Revenue Growth (1Y)
8.22%
8.86%
9.63%
8.80%
8.54%
10.48%
13.35%
18.52%
23.86%
28.93%
30.01%
27.40%
Net Income Growth (1Y)
5.51%
11.88%
19.18%
54.41%
59.56%
57.67%
36.58%
-20.37%
-34.42%
-39.33%
-39.88%
-20.90%
EPS Growth (1Y)
6.13%
11.73%
19.86%
53.75%
60.49%
61.76%
39.91%
-17.35%
-32.64%
-39.03%
-40.20%
-21.56%
Valuation Metrics
P/E TTM
11.29
9.24
9.72
9.33
8.20
8.22
10.20
11.32
8.41
9.84
9.62
4.90
P/B TTM
1.33
1.14
1.17
1.17
1.02
1.02
1.17
1.05
0.76
0.86
0.90
0.64
P/S TTM
2.73
2.29
2.36
2.36
2.03
1.98
2.28
2.02
1.42
1.66
1.79
1.30
Market Cap
282.92M
234.54M
238.34M
232.50M
194.62M
186.49M
209.73M
182.70M
125.11M
141.56M
144.91M
99.25M
Enterprise Value
297.90M
195.21M
220.32M
253.47M
287.39M
243.33M
317.74M
291.44M
213.51M
205.05M
251.50M
182.86M
Calculated Values
Free Cash Flow TTM
25.99M
22.04M
15.41M
16.45M
16.87M
23.22M
20.36M
16.86M
24.93M
22.24M
22.12M
23.47M
Net Debt
14.97M
-39.33M
-18.02M
20.96M
92.77M
56.84M
108.01M
108.74M
88.40M
63.49M
106.59M
83.61M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-01Purchase
Owner: Sturm, Tonya K.
Title: EVP & CFO
Shares: 3
Price/Share: $38.10
Value: $112.40
Shares Owned: 11,909
Relationship: Officer
Ownership: Direct
2026-05-01Purchase
Owner: Rodeheaver, Carissa Lynn
Title: -
Shares: 167
Price/Share: $37.90
Value: $6,336.12
Shares Owned: 47,900
Relationship: Director
Ownership: Direct
2026-05-01Purchase
Owner: Boal, Brian R.
Title: -
Shares: 78
Price/Share: $38.10
Value: $2,990.09
Shares Owned: 20,917
Relationship: Director
Ownership: Direct
2026-05-01Purchase
Owner: Rush, Jason Barry
Title: President & CEO
Shares: 76
Price/Share: $38.10
Value: $2,898.65
Shares Owned: 27,167
Relationship: Officer
Ownership: Direct
2026-02-04Sale
Owner: Tasker, Anthony James
Title: SVP & COO
Shares: 1
Price/Share: $39.15
Value: $33.28
Shares Owned: 334
Relationship: Officer
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
45.12%
Inst. Shares: 2,925,425
Shares Outstanding: 6,483,000
2025-12-31
45.53%
Inst. Shares: 2,954,705
Shares Outstanding: 6,490,000
2025-09-30
44.66%
Inst. Shares: 2,901,152
Shares Outstanding: 6,496,000
2025-06-30
44.06%
Inst. Shares: 2,858,944
Shares Outstanding: 6,489,000
2025-03-31
41.49%
Inst. Shares: 2,685,838
Shares Outstanding: 6,474,000

FIRST UNITED CORP/MD/ (FUNC) — SEC Financial Statements & Analysis

FIRST UNITED CORP/MD/ (FUNC) is a national commercial banks company, incorporated in MD. FIRST UNITED CORP/MD/ trades on Nasdaq as: FUNC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FIRST UNITED CORP/MD/ reported a 8.22% year-over-year revenue growth, a Gross Profit Margin of 69.42% (TTM), a Price-to-Sales (P/S) ratio of 2.73x (TTM), a Price-to-Book (P/B) ratio of 1.33x (TTM), at a market cap of $282.92M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
8.22%
Gross Profit Margin TTM
69.42%
P/S TTM
2.73x
P/B TTM
1.33x
Market Cap
$282.92M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FIRST UNITED CORP/MD/ in?

FIRST UNITED CORP/MD/ (FUNC) operates in the National Commercial Banks industry.

What is FUNC's market cap?

FIRST UNITED CORP/MD/ (FUNC) has a market capitalization of $282.92M as of 2026-06-30.

What is FUNC's P/E ratio?

FIRST UNITED CORP/MD/ (FUNC)'s trailing twelve month P/E ratio is 11.29x as of 2026-06-30.

What exchange does FUNC trade on?

FIRST UNITED CORP/MD/ (FUNC) trades on the Nasdaq.

Where is FIRST UNITED CORP/MD/ incorporated?

FIRST UNITED CORP/MD/ is incorporated in MD.

Wall Street's data.
Main Street's price.