What is First United Corp's earnings per share (EPS)?

First United Corp (FUNC) reported diluted earnings per share of $3.77 for fiscal year 2025. This represents a 19.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First United Corp (FUNC) Financials

FUNC

Trailing 12 months to June 30, 2026

Revenue $93.3M +11.4% YoY

Net Income $25.1M +5.5% YoY

EPS (Diluted) $3.87 +5.7% YoY

Free Cash Flow $26.0M +54.0% YoY

Market Cap $281.5M as of Oct 3, 2026

Price / Sales 3.0x on $93.3M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.2x on $25.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $212.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FUNC SEC filings page.

First United Corp (FUNC) reported $93.3M in revenue over the twelve months to Jun 30, 2026, up 11.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FUNC FY2025 2026-10-04

The business is asset-heavy and liability-funded, with earnings recovering while cash conversion weakened and leverage remains above FY2022 levels.

Net income rose to $24.5M in FY2025 from $20.6M in FY2024, yet operating cash flow moved the other way. That divergence, alongside free cash flow margin falling from 25.5% to 17.4%, indicates the stronger accounting result did not translate proportionally into cash available after reinvestment.

Total assets reached $2.1B in FY2025 while equity reached $203.6M; the company’s economics therefore depend on a large funded balance sheet rather than a light asset base. Debt-to-equity fell to 0.5x from 0.7x in FY2024, reducing leverage from the prior year.

Interest expense was $32.7M in FY2025 versus $4.8M in FY2022, making funding costs a central part of the earnings engine rather than a minor overhead. That financing burden helps explain why a 27.6% net margin generated only a 1.2% return on assets: profits are being earned on a very large asset base.

Financial Health Signals

Financial Health Score 55/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First United Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

First United Corp earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.0% the prior year. Earnings ranks banks on that return over three years, and First United Corp scores 64/100 among other banks.

Growth

First United Corp reported revenue of $88.7M in fiscal year 2025, against $79.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First United Corp scores 63/100 among other banks.

Capital

First United Corp funded 9.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $203.6M of equity against $2.1B of assets. Capital ranks banks on that cushion, and First United Corp scores 26/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First United Corp scores 53/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. First United Corp scores 54/100 on it among other banks.

Stability

First United Corp reported net income of $24.5M in fiscal year 2025, against $20.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First United Corp scores 67/100 among other banks.

Piotroski F-Score Partial

5/7

First United Corp passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.79x

For every $1 of reported earnings, First United Corp generates $0.79 in operating cash flow ($19.4M OCF vs $24.5M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$23.9M

YoY+9.9%

QoQ+2.3%

5Y CAGR+6.4%

10Y CAGR+6.1%

First United Corp generated $23.9M in revenue in Q2 2026. This represents an increase of 9.9% from the same quarter a year earlier. Against the prior quarter it is up 2.3%.

Net Income

$5.7M

YoY-5.3%

QoQ-14.9%

5Y CAGR+5.2%

10Y CAGR+12.8%

First United Corp reported $5.7M in net income in Q2 2026. This represents a decrease of 5.3% from the same quarter a year earlier. Against the prior quarter it is down 14.9%.

EPS (Diluted)

$0.88

YoY-4.3%

QoQ-14.6%

5Y CAGR+5.9%

First United Corp earned $0.88 per diluted share (EPS) in Q2 2026. This represents a decrease of 4.3% from the same quarter a year earlier. Against the prior quarter it is down 14.6%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$4.7M

YoY+560.1%

QoQ-64.2%

First United Corp generated $4.7M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 560.1% from the same quarter a year earlier. Against the prior quarter it is down 64.2%.

Cash & Debt

$85.2M

YoY+7.7%

QoQ-5.2%

5Y CAGR-15.2%

10Y CAGR+14.1%

First United Corp held $85.2M in cash against $30.9M in long-term debt as of Q2 2026.

Dividends Per Share

$0.26

YoY+18.2%

QoQ0.0%

5Y CAGR+11.6%

First United Corp paid $0.26 per share in dividends in Q2 2026. This represents an increase of 18.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY-0.6%

QoQ+0.1%

5Y CAGR-0.5%

10Y CAGR+0.3%

First United Corp had 6M shares outstanding in Q2 2026. This represents a decrease of 0.6% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

23.7%

YoY-3.8pp

QoQ-4.8pp

5Y change-1.4pp

10Y change+10.8pp

First United Corp's net profit margin was 23.7% in Q2 2026, showing the share of revenue converted to profit. This is down 3.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.8 percentage points.

Return on Equity

2.7%

YoY-0.5pp

QoQ-0.6pp

5Y change-0.7pp

10Y change+1.2pp

First United Corp's ROE was 2.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$371K

QoQ-82.9%

First United Corp spent $371K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 82.9%.

Capital Expenditures

$146K

YoY-49.5%

QoQ-83.9%

5Y CAGR-22.0%

10Y CAGR-19.9%

First United Corp invested $146K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 49.5% from the same quarter a year earlier. Against the prior quarter it is down 83.9%.

R&D Spending

Not reported for Q2 2026.

FUNC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FUNC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$93.3M	$88.7M+11.1%	$79.8M+11.9%	$71.3M-5.7%	$75.7M+3.3%	$73.3M+9.2%	$67.1M+6.3%	$63.2M+6.4%	$59.4M+10.1%	$53.9M+3.1%	$52.3M-15.2%	$61.6M+24.6%	$49.5M-4.0%	$51.5M-5.4%	$54.5M-1.9%	$55.6M
SG&A Expenses	$31.1M	$29.3M+4.7%	$28.0M+1.8%	$27.5M+14.0%	$24.1M+9.4%	$22.1M+4.7%	$21.1M-14.5%	$24.6M+1.9%	$24.2M+8.7%	$22.2M+8.0%	$20.6M-1.5%	$20.9M+7.1%	$19.5M-2.1%	$19.9M+2.4%	$19.5M-3.7%	$20.2M
Interest Expense	$31.7M	$32.7M+2.2%	$32.0M+31.8%	$24.3M+407.1%	$4.8M-16.2%	$5.7M-40.8%	$9.7M-16.3%	$11.5M+42.1%	$8.1M+10.1%	$7.4M-10.4%	$8.2M-12.6%	$9.4M-13.5%	$10.9M-7.3%	$11.7M-16.0%	$14.0M-34.1%	$21.2M
Income Tax	$8.1M	$8.0M+20.4%	$6.7M+50.8%	$4.4M-45.7%	$8.1M+24.4%	$6.5M+65.7%	$3.9M+18.3%	$3.3M+20.7%	$2.8M-60.2%	$6.9M+149.6%	$2.8M-57.0%	$6.5M+409.3%	$1.3M-42.8%	$2.2M+143.4%	$913K+243.8%	-$635K
Net Income	$25.1M	$24.5M+19.2%	$20.6M+36.6%	$15.1M-39.9%	$25.0M+26.7%	$19.8M+42.8%	$13.8M+5.4%	$13.1M+23.1%	$10.7M+102.4%	$5.3M-27.6%	$7.3M-44.0%	$13.0M+132.1%	$5.6M-13.6%	$6.5M+38.9%	$4.7M+28.6%	$3.6M
EPS (Basic)	N/A	$3.78+20.0%	$3.15+40.0%	$2.25-40.3%	$3.77+27.8%	$2.95+49.0%	$1.98+7.0%	$1.85	N/A	N/A	N/A	N/A	N/A	N/A	$0.48+45.5%	$0.33
EPS (Diluted)	$3.87	$3.77+19.7%	$3.15+40.0%	$2.25-40.2%	$3.76+27.5%	$2.95+49.7%	$1.97+6.5%	$1.85	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0.33
Diluted Shares (Avg)	N/A	7M-0.6%	7M-2.4%	7M+0.6%	7M-0.8%	7M-4.2%	7M-1.2%	7M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$23.9M+9.9%	$23.4M+11.9%	$23.2M+11.9%	$22.7M+12.1%	$21.8M+8.5%	$20.9M+12.0%	$20.8M+40.2%	$20.3M+7.4%
SG&A Expenses	$8.2M+11.4%	$8.2M+11.9%	$7.1M+10.1%	$7.6M+6.0%	$7.3M+0.9%	$7.3M+2.4%	$6.5M+1.0%	$7.2M+2.8%
Interest Expense	$7.6M-7.1%	$7.6M-5.1%	$8.2M+1.8%	$8.4M+4.1%	$8.2M+3.7%	$8.0M-0.5%	$8.0M+0.4%	$8.0M+11.8%
Income Tax	$1.7M-12.4%	$2.2M+15.2%	$1.9M-5.3%	$2.3M+18.7%	$2.0M+22.9%	$1.9M+62.8%	$2.0M+518.3%	$1.9M+46.3%
Net Income	$5.7M-5.3%	$6.7M+14.8%	$5.8M-6.6%	$6.9M+20.4%	$6.0M+21.8%	$5.8M+57.0%	$6.2M+251.9%	$5.8M+27.9%
EPS (Basic)	$0.88-4.3%	$1.03+14.4%	$0.89-6.3%	$1.07+20.2%	$0.92+22.7%	$0.90+60.7%	$0.95+265.4%	$0.89+32.8%
EPS (Diluted)	$0.88-4.3%	$1.03+15.7%	$0.89-7.3%	$1.07+20.2%	$0.92+22.7%	$0.89+58.9%	$0.96+255.6%	$0.89+32.8%
Diluted Shares (Avg)	6M-0.7%	6M+0.1%	N/A	7M+0.4%	7M-0.5%	6M-2.5%	N/A	6M-3.7%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FUNC Balance Sheet

FUNC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.1B+5.8%	$2.0B+3.5%	$1.9B+3.1%	$1.8B+6.8%	$1.7B-0.2%	$1.7B+20.2%	$1.4B+4.2%	$1.4B+3.5%	$1.3B+1.4%	$1.3B-0.4%	$1.3B-0.7%	$1.3B-0.1%	$1.3B+1.0%	$1.3B-5.0%	$1.4B
Cash & Equivalents	$131.6M+68.0%	$78.3M+57.4%	$49.8M-33.1%	$74.3M-35.8%	$115.7M-22.6%	$149.4M+199.0%	$50.0M+112.3%	$23.5M-71.9%	$83.8M+32.3%	$63.3M+21.4%	$52.1M+47.1%	$35.5M-17.7%	$43.1M0.0%	$43.1M-48.2%	$83.1M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M0.0%	$11.0M-14.4%	$12.9M
Total Liabilities	$1.9B+5.0%	$1.8B+2.9%	$1.7B+2.8%	$1.7B+6.8%	$1.6B-0.9%	$1.6B+21.8%	$1.3B+3.9%	$1.3B+3.1%	$1.2B+2.0%	$1.2B+0.2%	$1.2B-1.7%	$1.2B-0.7%	$1.2B+0.8%	$1.2B-5.6%	$1.3B
Long-Term Debt	$95.9M-20.7%	$120.9M+9.0%	$110.9M+258.7%	$30.9M0.0%	$30.9M-69.4%	$100.9M0.0%	$100.9M0.0%	$100.9M-16.5%	$120.9M-8.2%	$131.7M-10.7%	$147.5M-19.2%	$182.6M0.0%	$182.7M0.0%	$182.7M-11.7%	$207.0M
Total Equity	$203.6M+13.6%	$179.3M+10.8%	$161.9M+6.6%	$151.8M+7.0%	$141.9M+8.3%	$131.0M+4.1%	$125.9M+7.6%	$117.1M+8.0%	$108.4M-4.7%	$113.7M-5.9%	$120.8M+10.8%	$109.0M+7.0%	$101.9M+2.5%	$99.4M+2.9%	$96.7M
Retained Earnings	$207.3M+9.7%	$189.0M+8.7%	$173.9M+4.5%	$166.3M+14.3%	$145.5M+12.2%	$129.7M+8.5%	$119.5M+9.1%	$109.5M+8.0%	$101.4M+9.1%	$92.9M+6.0%	$87.7M+13.3%	$77.4M+4.0%	$74.4M+7.5%	$69.2M+4.5%	$66.2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.1B+3.7%	$2.0B+3.0%	$2.1B+5.8%	$2.0B+5.6%	$2.0B+7.4%	$2.0B+3.5%	$2.0B+3.5%	$1.9B-0.6%
Cash & Equivalents	$85.2M+7.7%	$89.8M+6.4%	$131.6M+68.0%	$95.2M+52.5%	$79.1M+75.4%	$84.4M-2.9%	$78.3M+57.4%	$62.4M-22.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$11.0M0.0%	N/A	N/A	N/A	$11.0M0.0%	$11.0M
Total Liabilities	$1.9B+2.9%	$1.8B+2.1%	$1.9B+5.0%	$1.8B+4.7%	$1.8B+6.6%	$1.8B+2.8%	$1.8B+2.9%	$1.7B-1.8%
Long-Term Debt	$30.9M-74.4%	$30.9M-74.4%	$95.9M-20.7%	$95.9M-20.7%	$120.9M+70.5%	$120.9M+70.5%	$120.9M+9.0%	$120.9M+9.0%
Total Equity	$212.4M+11.1%	$205.3M+11.7%	$203.6M+13.6%	$199.1M+14.4%	$191.1M+16.4%	$183.7M+11.0%	$179.3M+10.8%	$174.0M+12.3%
Retained Earnings	$216.3M+9.3%	$212.3M+9.8%	$207.3M+9.7%	$203.2M+10.3%	$197.9M+10.0%	$193.4M+9.7%	$189.0M+8.7%	$184.2M+6.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

FUNC Cash Flow Statement

FUNC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$30.1M	$19.4M-13.0%	$22.3M-0.8%	$22.5M-15.3%	$26.5M+32.6%	$20.0M+23.8%	$16.2M-1.3%	$16.4M-10.4%	$18.3M+41.6%	$12.9M+12.5%	$11.5M-48.2%	$22.2M+471.1%	$3.9M-79.2%	$18.7M+22.8%	$15.2M-75.9%	$63.0M
Stock-Based Compensation	N/A	$760K+57.3%	$483K-8.3%	$527K-0.9%	$532K+12.7%	$472K+36.8%	$345K+28.7%	$268K+7.6%	$249K+29.7%	$192K0.0%	$192K+0.5%	$191K+42.5%	$134K+52.3%	$88K+20.5%	$73K-6.4%	$78K
Capital Expenditures	$4.1M	$4.0M+106.4%	$1.9M+444.8%	$353K-90.1%	$3.6M+217.3%	$1.1M-29.7%	$1.6M-59.6%	$4.0M-58.1%	$9.5M+44.5%	$6.6M+67.2%	$3.9M+186.2%	$1.4M+90.4%	$720K-23.5%	$941K-26.5%	$1.3M+442.4%	$236K
Free Cash Flow	$26.0M	$15.4M-24.3%	$20.4M-8.0%	$22.1M-3.7%	$23.0M+21.6%	$18.9M+29.7%	$14.6M+17.3%	$12.4M+40.9%	$8.8M+38.5%	$6.4M-15.9%	$7.6M-63.7%	$20.8M+557.7%	$3.2M-82.1%	$17.7M+27.4%	$13.9M-77.8%	$62.8M
Investing Cash Flow	-$65.0M	-$48.0M-24.9%	-$38.4M+53.0%	-$81.7M+52.6%	-$172.4M-506.5%	-$28.4M+85.1%	-$191.3M-488.2%	-$32.5M+71.4%	-$113.7M-1385.3%	-$7.7M-164.4%	$11.9M-36.6%	$18.8M+887.6%	-$2.4M+96.3%	-$63.6M-184.1%	$75.6M+405.6%	$14.9M
Financing Cash Flow	$40.9M	$81.9M+83.2%	$44.7M+29.0%	$34.7M-66.8%	$104.5M+512.7%	-$25.3M-109.2%	$274.6M+545.0%	$42.6M+20.9%	$35.2M+132.0%	$15.2M+224.2%	-$12.2M+49.7%	-$24.3M-166.2%	-$9.1M-287.0%	$4.9M+106.7%	-$72.8M+76.7%	-$312.2M
Dividends Paid	$6.5M	$6.0M+11.1%	$5.4M+3.0%	$5.2M+30.9%	$4.0M+2.4%	$3.9M+6.7%	$3.6M+16.7%	$3.1M	$0-100.0%	$1.2M-40.0%	$2.0M-25.0%	$2.7M-70.3%	$9.1M	$0	N/A	N/A
Share Buybacks	N/A	N/A	$4.0M+169.5%	$1.5M	N/A	$7.2M+160.7%	$2.8M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$4.8M+383.0%	$13.9M+99.8%	$9.9M+7.1%	$1.5M-33.6%	$995K-86.1%	$7.0M+94.1%	$9.2M+62.1%	$2.3M-73.8%
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	$55K-3.5%	N/A	N/A
Capital Expenditures	$146K-49.5%	$908K+55.2%	$1.7M+3780.0%	$1.3M-20.5%	$289K+149.1%	$585K+800.0%	$45K+542.9%	$1.7M+2637.1%
Free Cash Flow	$4.7M+560.1%	$13.0M+103.9%	$8.2M-11.4%	$168K-71.4%	$706K-90.0%	$6.4M+81.1%	$9.2M+61.5%	$588K-93.2%
Investing Cash Flow	-$42.0M-60.1%	-$4.4M-37.6%	-$25.6M+38.6%	$7.0M+128.1%	-$26.2M-6468.4%	-$3.2M-111.3%	-$41.6M-2136.5%	-$24.7M-80.5%
Financing Cash Flow	$32.5M+63.4%	-$51.3M-2302.4%	$52.1M+7.9%	$7.6M-80.9%	$19.9M+140.9%	$2.3M-56.0%	$48.3M+239.0%	$39.7M+1460.6%
Dividends Paid	$1.7M+17.4%	$1.7M+18.8%	$1.7M+18.8%	$1.4M+10.4%	$1.4M+7.1%	$1.4M+7.3%	$1.4M+6.2%	$1.3M-3.6%
Share Buybacks	$371K	$2.2M	N/A	N/A	N/A	N/A	$1K-99.9%	-$1K

Not reported in any period shown, so not listed: Depreciation & Amortization.

FUNC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FUNC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	27.6%+1.9pp	25.8%+4.7pp	21.1%-12.0pp	33.1%+6.1pp	27.0%+6.3pp	20.6%-0.2pp	20.8%+2.8pp	18.0%+8.2pp	9.8%-4.1pp	13.9%-7.2pp	21.1%+9.8pp	11.3%-1.2pp	12.6%+4.0pp	8.6%+2.0pp	6.5%
Return on Equity	12.0%+0.6pp	11.5%+2.2pp	9.3%-7.2pp	16.5%+2.6pp	13.9%+3.4pp	10.6%+0.1pp	10.4%+1.3pp	9.1%+4.3pp	4.9%-1.5pp	6.4%-4.4pp	10.8%+5.6pp	5.1%-1.2pp	6.4%+1.7pp	4.7%+0.9pp	3.8%
Return on Assets	1.2%+0.1pp	1.0%+0.2pp	0.8%-0.6pp	1.4%+0.2pp	1.1%+0.3pp	0.8%-0.1pp	0.9%+0.1pp	0.8%+0.4pp	0.4%-0.2pp	0.5%-0.4pp	1.0%+0.6pp	0.4%-0.1pp	0.5%+0.1pp	0.4%+0.1pp	0.3%
Debt-to-Equity	0.47-0.2x	0.670.0x	0.69+0.5x	0.200.0x	0.22-0.6x	0.770.0x	0.80-0.1x	0.86-0.3x	1.120.0x	1.16-0.1x	1.22-0.5x	1.68-0.1x	1.790.0x	1.84-0.3x	2.14
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	17.4%-8.1pp	25.5%-5.5pp	31.0%+0.7pp	30.3%+4.6pp	25.8%+4.1pp	21.7%+2.0pp	19.7%+4.8pp	14.8%+3.0pp	11.8%-2.7pp	14.5%-19.3pp	33.8%+27.4pp	6.4%-28.0pp	34.4%+8.8pp	25.6%	113.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	23.7%-3.8pp	28.5%+0.7pp	24.9%-4.9pp	30.6%+2.1pp	27.5%+3.0pp	27.7%+7.9pp	29.8%+17.9pp	28.5%+4.6pp
Return on Equity	2.7%-0.5pp	3.3%+0.1pp	2.8%-0.6pp	3.5%+0.2pp	3.1%+0.1pp	3.2%+0.9pp	3.5%+2.4pp	3.3%+0.4pp
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%+0.2pp	0.3%+0.1pp
Debt-to-Equity	0.15-0.5x	0.15-0.5x	0.47-0.2x	0.48-0.2x	0.63+0.2x	0.66+0.2x	0.670.0x	0.700.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	19.5%+16.2pp	55.6%+25.1pp	35.1%-9.2pp	0.7%-2.2pp	3.2%-31.9pp	30.5%+11.6pp	44.3%+5.8pp	2.9%-43.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First United Corp FUNC	FY2025	$88.7M	$24.5M	27.6%	$281.5M	55/100
Isabella Bank Corporation ISBA	FY2025	$78.5M	$18.9M	24.1%	$290.8M	51/100
Middlefield Banc Corp. MBCN	FY2024	$67.9M	$15.5M	22.9%	$273.6M	59/100
LCNB Corporation LCNB	FY2025	$92.0M	$23.1M	25.1%	$270.0M	54/100
First Western Financial, Inc. MYFW	FY2025	$101.9M	$13.2M	12.9%	$293.8M	29/100

Where First United Corp Ranks

Frequently Asked Questions

What is First United Corp's annual revenue?

First United Corp (FUNC) reported $88.7M in total revenue for fiscal year 2025. This represents a 11.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First United Corp's revenue growing?

First United Corp (FUNC) revenue grew by 11.1% year-over-year, from $79.8M to $88.7M in fiscal year 2025.

Is First United Corp profitable?

Yes, First United Corp (FUNC) reported a net income of $24.5M in fiscal year 2025, with a net profit margin of 27.6%.

How much debt does First United Corp have?

As of fiscal year 2025, First United Corp (FUNC) had $131.6M in cash and equivalents against $95.9M in long-term debt.

What is First United Corp's net profit margin?

First United Corp (FUNC) had a net profit margin of 27.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First United Corp pay dividends?

Yes, First United Corp (FUNC) paid $0.96 per share in dividends during fiscal year 2025.

What is First United Corp's return on equity (ROE)?

First United Corp (FUNC) has a return on equity of 12.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First United Corp's free cash flow?

First United Corp (FUNC) generated $15.4M in free cash flow during fiscal year 2025. This represents a -24.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First United Corp's operating cash flow?

First United Corp (FUNC) generated $19.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First United Corp's total assets?

First United Corp (FUNC) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First United Corp's capital expenditures?

First United Corp (FUNC) invested $4.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does First United Corp have outstanding?

First United Corp (FUNC) had 7M shares outstanding as of fiscal year 2025.

What is First United Corp's debt-to-equity ratio?

First United Corp (FUNC) had a debt-to-equity ratio of 0.47 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First United Corp's return on assets (ROA)?

First United Corp (FUNC) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First United Corp's P/E ratio?

First United Corp (FUNC) trades at 11.2x earnings, its market capitalization divided by net income of $25.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $281.5M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First United Corp's price-to-sales ratio?

First United Corp (FUNC) trades at 3.0x sales, its market capitalization divided by revenue of $93.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $281.5M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First United Corp's Piotroski F-Score?

First United Corp (FUNC) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First United Corp's earnings high quality?

First United Corp (FUNC) has an earnings quality ratio of 0.79x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First United Corp?

First United Corp (FUNC) scores 55 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.