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Equiscale · Syntellia LLC
First United Corporation operates as the bank holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals in the United States. It operates through Community Banking and Wealth Management segments. The company offers deposit products, such as checking, savings, money market, individual retirement (IRA), employee benefit, and health savings accounts; regular and IRA certificates of deposit (CD); and demand deposits. It also provides business and personal loans; commercial loans secured by real estate, commercial equipment, and vehicles or other assets of the borrower; residential mortgages; home equity lines of credit; real estate construction loans to builders and individuals for single-family dwellings; and consumer loans, including indirect and direct auto loans, student loans, and other secured and unsecured lines of credit and term loans. In addition, the company offers brokerage; certificate of deposit account registry and IntraFi cash services; treasury management, cash sweep, and various checking opportunities; trust services, such as personal trust, investment agency accounts, charitable trusts, estate administration, and estate planning, as well as retirement accounts, including IRA rollovers, 401(k) accounts, and defined benefit plans; safe deposit and night depository facilities; and insurance products. Further, it provides online, mobile, and digital banking; debit and credit cards; business support; merchant services; remote deposit capture; positive pay; sweep and escrow accounts; check recovery and ordering; equipment loans; floorplan lending; mobile wallet and deposit; credit insights; personal finance; bill pay; CD and trust secured loans; boat and RV loans; and retirement planning services. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $89M | - | $25M | $15M | 12.0% | 11.4% | 19.2% |
| 2024 | $80M | - | $21M | $20M | 11.5% | 11.9% | 36.6% |
| 2023 | $71M | - | $15M | $22M | 9.3% | -5.7% | -39.9% |
| 2022 | $76M | - | $25M | $23M | 16.5% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 75.65 | 71.32 | 79.79 | 88.87 |
| Operating Revenue | - | 75.65 | 71.32 | 79.79 | 88.87 |
| Selling General And Administration | - | 26.41 | 30.43 | 30.78 | 32.32 |
| Interest Income | - | 62.42 | 81.16 | 91.99 | 100.85 |
| Interest Expense | - | 4.79 | 24.29 | 32.02 | 32.74 |
| Net Interest Income | - | 57.63 | 56.87 | 59.98 | 68.11 |
| Pretax Income | - | 33.18 | 19.48 | 27.23 | 32.53 |
| Tax Provision | - | 8.13 | 4.42 | 6.66 | 8.02 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0.01 | -0.01 | 0 | -0.06 |
| Net Income Continuous Operations | - | 25.05 | 15.06 | 20.57 | 24.52 |
| Net Income From Continuing And Discontinued Operation | - | 25.05 | 15.06 | 20.57 | 24.52 |
| Net Income From Continuing Operation Net Minority Interest | - | 25.05 | 15.06 | 20.57 | 24.52 |
| Net Income | - | 25.05 | 15.06 | 20.57 | 24.52 |
| Net Income Common Stockholders | - | 25.05 | 15.06 | 20.57 | 24.52 |
| Net Income Including Noncontrolling Interests | - | 25.05 | 15.06 | 20.57 | 24.52 |
| Normalized Income | - | 25.02 | 15.08 | 20.57 | 24.69 |
| Diluted NI Availto Com Stockholders | - | 25.05 | 15.06 | 20.57 | 24.52 |
| Basic Average Shares | - | 6.64 | 6.65 | 6.53 | 6.49 |
| Diluted Average Shares | - | 6.66 | 6.66 | 6.54 | 6.50 |
| Reconciled Depreciation | - | 3.64 | 4.92 | 3.79 | 3.06 |
| Total Unusual Items | - | 0.03 | -0.03 | 0 | -0.23 |
| Total Unusual Items Excluding Goodwill | - | 0.03 | -0.03 | 0 | -0.23 |
| Special Income Charges | - | 0.03 | -0.03 | 0 | -0.23 |
| Other Special Charges | 1.91 | -0.03 | 0.03 | - | 0.23 |
| Gain On Sale Of Security | - | 0.09 | -4.26 | -0.01 | 0.05 |
| General And Administrative Expense | - | 25.87 | 29.59 | 30.10 | 31.41 |
| Other Gand A | 2.37 | - | - | - | - |
| Salaries And Wages | - | 24.75 | 28.14 | 28.63 | 29.98 |
| Insurance And Claims | - | 0.64 | 0.99 | 1.07 | 1.05 |
| Rent Expense Supplemental | - | 0.48 | 0.47 | 0.41 | 0.38 |
| Selling And Marketing Expense | - | 0.54 | 0.83 | 0.67 | 0.90 |
| Rent And Landing Fees | - | 0.48 | 0.47 | 0.41 | 0.38 |
| Occupancy And Equipment | - | 7.07 | 6.60 | 5.55 | 5.08 |
| Professional Expense And Contract Services Expense | - | 1.54 | 2.13 | 1.95 | 2.45 |
| Other Non Interest Expense | - | 8.11 | 11.08 | 11.36 | 13.56 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| First United Corporationthis co. | FUNC | $256M | 10.45↓ discount | 1.26 | 12.0% | - |
| Western New England Bancorp, Inc. | WNEB | $266M | 17.40 | 1.07 | 6.2% | - |
| Open Lending Corporation | LPRO | $265M | -62.51 | 3.53 | -5.7% | 33.19 |
| Franklin Financial Services Corporation | FRAF | $261M | 12.28 | 1.49 | 12.1% | - |
| Citizens, Inc. | CIA |
| - |
| - |
| - |
| - |
| - |
| $259M |
| 17.74 |
| 1.10 |
| 6.2% |
| - |
| Ames National Corporation | ATLO | $258M | 13.58 | 1.24 | 9.2% | - |
| First National Corporation | FXNC | $256M | 14.47 | 1.38 | 9.5% | - |
| Security National Financial Corporation | SNFCA | $245M | 7.62 | 0.60 | 7.8% | - |
| Hawthorn Bancshares, Inc. | HWBK | $244M | 10.26 | 1.40 | 13.7% | - |
| Peer Median | - | 12.93 | 1.31 | 8.5% | 33.19 | |
Historically, Jul has averaged the highest return (+9.9%); Mar the lowest (-5.7%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.4%Positive MonthJan 2026: +2.38% | -7.5%Negative MonthFeb 2026: -7.46% | +3.3%Positive MonthMar 2026: +3.30% | +1.4%Neutral MonthApr 2026: +1.42% | +6.4%Positive MonthMay 2026: +6.40% | +11.6%Positive MonthJun 2026: +11.56% | +0.1%Neutral MonthJul 2026: +0.07% | -1.2%*Neutral MonthAug 2026: -1.25% | — | — | — | — |
| 2025 | -3.4%Negative MonthJan 2025: -3.35% | +9.9%Positive MonthFeb 2025: +9.85% | -16.1%Negative MonthMar 2025: -16.12% | -0.8%Neutral MonthApr 2025: -0.83% | +0.9%Neutral MonthMay 2025: +0.94% | +3.2%Positive MonthJun 2025: +3.19% | +6.0%Positive MonthJul 2025: +6.00% | +13.7%Positive MonthAug 2025: +13.69% | -1.6%Neutral MonthSep 2025: -1.61% | -6.1%Negative MonthOct 2025: -6.09% | +10.6%Positive MonthNov 2025: +10.57% | -1.9%Neutral MonthDec 2025: -1.94% |
| 2024 | -3.3%Negative MonthJan 2024: -3.28% | -2.8%Negative MonthFeb 2024: -2.81% | +3.7%Positive MonthMar 2024: +3.67% | -1.4%Neutral MonthApr 2024: -1.40% | -11.3%Negative MonthMay 2024: -11.29% | +1.9%Neutral MonthJun 2024: +1.90% | +37.8%Positive MonthJul 2024: +37.76% | +2.6%Positive MonthAug 2024: +2.60% | +3.4%Positive MonthSep 2024: +3.40% | +6.4%Positive MonthOct 2024: +6.37% | +12.3%Positive MonthNov 2024: +12.29% | -5.4%Negative MonthDec 2024: -5.42% |
| 2023 | -1.1%Neutral MonthJan 2023: -1.07% | +0.4%Neutral MonthFeb 2023: +0.41% | -13.6%Negative MonthMar 2023: -13.63% | -11.6%Negative MonthApr 2023: -11.57% | -12.7%Negative MonthMay 2023: -12.68% | +9.5%Positive MonthJun 2023: +9.52% | +20.3%Positive MonthJul 2023: +20.34% | -5.4%Negative MonthAug 2023: -5.42% | +0.0%Neutral MonthSep 2023: +0.00% | +0.8%Neutral MonthOct 2023: +0.80% | +13.1%Positive MonthNov 2023: +13.08% | +27.1%Positive MonthDec 2023: +27.08% |
| 2022 | +6.3%Positive MonthJan 2022: +6.34% | +19.5%Positive MonthFeb 2022: +19.50% | -5.5%Negative MonthMar 2022: -5.49% | -0.5%Neutral MonthApr 2022: -0.53% | -4.6%Negative MonthMay 2022: -4.55% | -12.3%Negative MonthJun 2022: -12.30% | -3.9%Negative MonthJul 2022: -3.94% | -2.9%Negative MonthAug 2022: -2.89% | -5.4%Negative MonthSep 2022: -5.43% | +14.6%Positive MonthOct 2022: +14.62% | +8.4%Positive MonthNov 2022: +8.38% | -4.4%Negative MonthDec 2022: -4.43% |
| 2021 | — | — | — | — | +7.4%Positive MonthMay 2021: +7.45% | -4.1%Negative MonthJun 2021: -4.13% | -0.7%Neutral MonthJul 2021: -0.69% | +6.4%Positive MonthAug 2021: +6.41% | +1.0%Neutral MonthSep 2021: +0.98% | +1.5%Neutral MonthOct 2021: +1.51% | -1.1%Neutral MonthNov 2021: -1.11% | +0.5%Neutral MonthDec 2021: +0.48% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
