First United Corp/Md/
FUNC Nasdaq· National Commercial Banks
Last close · Oct 27, 2026
$46.03
KIRA · Stoqly’s AI analyst, in plain words
- First United Corp/Md/ had $18.4M of revenue in fiscal 2025, up 4.0% on the year before. Over five years, revenue changed +5.7% a year on average.
- First United Corp/Md/ made $24.5M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 18.2% a year.
- First United Corp/Md/ returned $6.0M to shareholders in fiscal 2025, 39% of free cash flow. The diluted share count fell 0.6%.
- It earned 12.8% on shareholders’ money. Running costs took 289.8% of revenue (the efficiency ratio; lower is better).
Market cap
$297M
P/E
11.9x
Revenue
$18.4M
Net income
$24.5M
Return on equity
12.8%
Efficiency ratio
289.8%
First United Corp/Md/ in 30 seconds · fiscal 2025
Are sales growing?
+4.0%
Only a little. Sales grew 4.0% last year.
Does it make a profit?
133.0%
Yes. It keeps 133.0% of every sale as profit.
How lean are its costs?
289.8%
Costly. Running costs take 289.8% of revenue.
How much does it earn on its capital?
12.8%
Good. It earns 12.8% a year on shareholders’ money.
How is the share priced?
11.9x
One share costs 11.9 times its yearly profit per share.
What First United Corp/Md/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 10, 2026
- Legal name
- FIRST UNITED CORP/MD/
- CIK
- 0000763907
First United Corp/Md/ · FUNC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $16.1M | $16.2M | $16.7M | $17.7M | $18.4M |
| Revenue growth | 14.8% | 0.6% | 3.2% | 6.3% | 4.0% |
| Net interest income | $52.5M | $57.6M | $56.9M | $60.0M | $68.1M |
| Net income | $19.8M | $25.0M | $15.1M | $20.6M | $24.5M |
| Net margin | 123.1% | 155.0% | 90.3% | 116.1% | 133.0% |
| Diluted EPS | $2.95 | $3.76 | $2.25 | $3.15 | $3.77 |
| Cash | |||||
| Cash from operations | $20.0M | $26.5M | $22.5M | $22.3M | $19.4M |
| Capital expenditure | $1.1M | $3.6M | $0.4M | $1.9M | $4.0M |
| Free cash flow | $18.9M | $23.0M | $22.1M | $20.4M | $15.4M |
| FCF margin | 117.7% | 142.1% | 132.7% | 114.9% | 83.6% |
| Dividends paid | $3.9M | $4.0M | $5.2M | $5.4M | $6.0M |
| Share buybacks | $7.2M | — | $1.5M | $4.0M | — |
| Share count change | −4.2% | −0.8% | 0.6% | −2.4% | −0.6% |
| Debt and strength | |||||
| Cash and short-term investments | $116M | $74.3M | $49.8M | $78.3M | $132M |
| Debt incl. finance leases | $88.6M | $95.5M | $156M | $186M | $114M |
| Loans, net | $1.1B | $1.3B | $1.4B | $1.5B | $1.5B |
| Deposits | — | $1.6B | — | — | — |
| Shareholders' equity | $142M | $152M | $162M | $179M | $204M |
| Returns and quality | |||||
| Return on equity | 14.5% | 17.1% | 9.6% | 12.1% | 12.8% |
| Return on tangible equity | 15.2% | 18.0% | 10.1% | 12.3% | 12.8% |
| Efficiency ratio | 297.7% | 266.9% | 301.4% | 280.2% | 289.8% |
| Piotroski F-score | 7 | 5 | 4 | 6 | 5 |
Insiders bought, 12 months
$0.1M
4 insiders
Insiders sold, 12 months
$0.5M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First United Corp/Md/ · FUNC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $46.03 a share, the company is worth $297M: 11.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000763907). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.