FIRST UNITED CORP/MD/
FIRST UNITED CORP/MD/
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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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 84 | 89 | 130 | 92 | 77 | 83 | 77 | 61 | 44 | 86 | 48 | 79 | |||||
Interest Bearing Deposits In Banks | 1 | 1 | 2 | 3 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | |||||
Cash And Cash Equivalents At Carrying Value | 85 | 90 | 132 | 95 | 79 | 84 | 78 | 62 | 45 | 87 | 50 | 81 | |||||
Debt Securities Available For Sale Amortized Cost … | - | - | - | - | - | - | - | - | - | - | - | 114 | |||||
Debt Securities Available For Sale Excluding Accru… | 108 | 109 | 107 | 105 | 104 | 100 | 94 | 93 | 93 | 96 | 97 | - | |||||
Debt Securities Held To Maturity Excluding Accrued… | - | - | - | - | - | - | - | - | 174 | 183 | 214 | 216 | |||||
Debt Securities Held To Maturity Excluding Accrued… | 170 | 173 | 171 | 173 | 175 | 174 | 175 | 174 | - | - | 214 | - | |||||
Equity Securities Fv Ni Current And Noncurrent | 1 | 1 | - | 1 | 1 | 1 | - | - | - | - | - | - | |||||
Restricted Investments | 2 | 2 | 5 | 5 | 6 | 6 | 6 | 6 | 3 | 3 | 5 | 5 | |||||
Loans Held For Sale Fair Value Disclosure | - | 0 | 0 | 1 | 0 | - | 1 | 0 | 0 | 0 | 0 | 0 | |||||
Financing Receivable Excluding Accrued Interest Be… | - | 1,525 | - | 1,497 | 1,502 | 1,480 | 1,481 | 1,448 | 1,423 | 1,412 | 1,407 | 1,380 | |||||
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 | - | 1,477 | 1,483 | 1,461 | 1,462 | 1,430 | 1,405 | 1,394 | 1,389 | 1,363 | |||||
Property Plant And Equipment Net | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 31 | 30 | 30 | 31 | 33 | |||||
Intangible Assets Net Including Goodwill | 11 | 11 | - | - | - | - | - | - | - | - | - | - | |||||
Bank Owned Life Insurance | 51 | 50 | 50 | 50 | 50 | 49 | 49 | 49 | 48 | 48 | 48 | 47 | |||||
Deferred Income Tax Assets Net | 8 | 9 | 9 | 8 | 9 | 10 | 10 | 9 | 11 | 11 | 11 | 13 | |||||
Real Estate Acquired Through Foreclosure | - | 1 | 1 | 3 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 5 | |||||
Other Foreclosed Assets | 3 | 3 | 3 | 3 | 3 | 3 | 3 | - | - | - | 0 | - | |||||
Operating Lease Right Of Use Asset | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | |||||
Defined Benefit Plan Assets For Plan Benefits Nonc… | 24 | 20 | 21 | 21 | 19 | 16 | 18 | 16 | 13 | 13 | 11 | 7 | |||||
Accrued Investment Income Receivable | 8 | 7 | 8 | 7 | 7 | 7 | 7 | 7 | 7 | 8 | 7 | 7 | |||||
Other Assets | 25 | 24 | 26 | 31 | 27 | 22 | 23 | 23 | 22 | 22 | 23 | 23 | |||||
Assets | 2,082 | 2,039 | 2,087 | 2,024 | 2,007 | 1,980 | 1,973 | 1,916 | 1,869 | 1,913 | 1,906 | 1,928 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Noninterest Bearing Deposit Liabilities Domestic | 441 | 451 | 453 | 430 | 426 | 422 | 427 | 419 | 424 | 423 | 428 | 430 | |||||
Interest Bearing Deposit Liabilities Domestic | 1,294 | 1,299 | 1,282 | 1,249 | 1,188 | 1,201 | 1,148 | 1,121 | 1,113 | 1,141 | 1,123 | 1,145 | |||||
Deposits Domestic | 1,736 | 1,751 | 1,735 | 1,679 | 1,614 | 1,624 | 1,575 | 1,540 | 1,537 | 1,563 | 1,551 | 1,575 | |||||
Short Term Borrowings | 69 | 20 | 18 | 20 | 51 | 20 | 65 | 50 | 63 | 79 | 45 | 53 | |||||
Long Term Debt | 31 | 31 | 96 | 96 | 121 | 121 | 121 | 121 | 71 | 71 | 111 | 111 | |||||
Operating Lease Liability | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | |||||
Defined Benefit Plan Benefit Obligation | 9 | 9 | 9 | 9 | 8 | 8 | 8 | 10 | 10 | 10 | 10 | 7 | |||||
Off Balance Sheet Credit Loss Liability | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Interest Payable Current And Noncurrent | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 2 | 1 | 1 | 1 | 1 | |||||
Other Liabilities | 20 | 19 | 21 | 17 | 17 | 19 | 20 | 15 | 19 | 19 | 23 | 21 | |||||
Dividends Payable Current And Noncurrent | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Liabilities | 1,870 | 1,834 | 1,884 | 1,825 | 1,816 | 1,796 | 1,794 | 1,742 | 1,704 | 1,747 | 1,744 | 1,773 | |||||
Stockholders Equity | |||||||||||||||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital | 20 | 19 | 22 | 21 | 21 | 21 | 20 | 20 | 20 | 24 | 24 | 25 | |||||
Retained Earnings Accumulated Deficit | 216 | 212 | 207 | 203 | 198 | 193 | 189 | 184 | 180 | 176 | 174 | 173 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -23 | -26 | -25 | -25 | -28 | -30 | -30 | -31 | -36 | -35 | -36 | -44 | |||||
Stockholders Equity | 212 | 205 | 204 | 199 | 191 | 184 | 179 | 174 | 164 | 165 | 162 | 155 | |||||
Liabilities And Stockholders Equity | 2,082 | 2,039 | 2,087 | 2,024 | 2,007 | 1,980 | 1,973 | 1,916 | 1,869 | 1,913 | 1,906 | 1,928 | |||||
Debt Securities Held To Maturity Allowance For Cre… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Held To Maturity Securities Fair Value | 146 | 149 | 149 | 149 | 148 | 147 | 145 | 149 | 143 | 152 | 184 | 177 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | - | 0.01 | - | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | |||||
Common Stock Shares Issued | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | |||||
Shares Outstanding | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | |||||
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Interactive Financial Visualizations
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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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.24% | 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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
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Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Net Profit Margin Growth (5Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
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Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
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.