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Last update at 2026-06-09T17:53:00Z
Source: TradingView
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 32.53M | 27.23M | 19.48M | 33.18M | 26.31M |
| Minority interest | - | - | - | - | - |
| Net income | 24.52M | 20.57M | 15.06M | 25.05M | 19.77M |
| Selling general administrative | 35.06M | 30.10M | 29.60M | 25.25M | 25.94M |
| Selling and marketing expenses | - | 0.67M | 0.83M | 0.54M | 0.54M |
| Gross profit | 83.70M | 76.87M | 69.75M | 41.85M | 40.97M |
| Reconciled depreciation | 3.06M | 3.79M | 3.78M | 3.65M | 3.43M |
| Ebit | - | 27.23M | 19.48M | 34.33M | 26.31M |
| Ebitda | 32.53M | 31.02M | 24.39M | 37.97M | 29.74M |
| Depreciation and amortization | - | 3.79M | 4.92M | 3.65M | 3.43M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 32.53M | 27.23M | 19.48M | 34.33M | 26.31M |
| Other operating expenses | 86.65M | 84.57M | 76.13M | 34.38M | 47.35M |
| Interest expense | 32.73M | 32.02M | 24.29M | 4.79M | 5.71M |
| Tax provision | 8.02M | 6.66M | 5.95M | 8.13M | 6.54M |
| Interest income | 100.85M | 91.99M | 76.32M | 62.42M | 58.26M |
| Net interest income | 68.11M | 59.98M | 57.86M | 57.63M | 52.54M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 8.02M | 6.66M | 4.42M | 8.13M | 6.54M |
| Total revenue | 119.18M | 111.80M | 95.61M | 75.68M | 73.66M |
| Total operating expenses | 51.17M | 49.64M | 50.27M | 0.54M | -47.35100M |
| Cost of revenue | 35.48M | 34.93M | 25.86M | 33.84M | 32.69M |
| Total other income expense net | -0.22800M | 7.41M | 5.01M | -1.14400M | 5.59M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 24.52M | 20.57M | 20.27M | 25.05M | 19.77M |
| Net income applicable to common shares | - | - | - | 25.05M | 19.77M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 2087.45M | 1973.02M | 1912.68M | 1848.17M | 1729.84M |
| Intangible assets | - | 0.77M | 12.10M | 12.43M | 12.05M |
| Earning assets | - | - | - | - | - |
| Other current assets | -7.90400M | 61.73M | 61.73M | - | 27.14M |
| Total liab | 1883.82M | 1793.73M | 1750.81M | 1696.38M | 1587.94M |
| Total stockholder equity | 203.63M | 179.29M | 161.87M | 151.79M | 141.90M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 453.77M | 1575.76M | 1341.47M | -91.14200M | -15.78700M |
| Common stock | 0.07M | 0.07M | 0.07M | 0.07M | 0.07M |
| Capital stock | 0.07M | 0.07M | 0.07M | 0.07M | 0.07M |
| Retained earnings | 207.28M | 189.00M | 173.90M | 166.34M | 145.49M |
| Other liab | - | - | - | - | 25.59M |
| Good will | 11.44M | 11.00M | 11.00M | 12.43M | 12.05M |
| Other assets | 1800.64M | 1740.99M | 0.00000M | 1201.51M | 921.85M |
| Cash | 129.83M | 78.33M | 49.75M | 74.31M | 115.72M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 472.39M | 1641.66M | 1388.59M | 91.14M | 15.79M |
| Current deferred revenue | - | - | 0.72M | - | -41.91200M |
| Net debt | -13.88000M | 109.39M | 108.15M | 23.55M | -82.03000M |
| Short term debt | 17.66M | 65.41M | 45.79M | 64.56M | 57.70M |
| Short long term debt | 0.00000M | 50.00M | - | 64.56M | - |
| Short long term debt total | 115.95M | 187.72M | 157.90M | 97.87M | 33.69M |
| Other stockholder equity | 21.55M | 20.48M | 23.73M | 24.41M | 23.66M |
| Property plant equipment | - | - | - | 39.68M | 36.94M |
| Total current assets | 236.97M | 157.41M | 61.73M | 235.84M | 415.96M |
| Long term investments | 23.43M | 269.99M | 311.47M | 361.55M | 1198.59M |
| Net tangible assets | - | - | - | 139.36M | 129.85M |
| Short term investments | 107.14M | 71.61M | 97.17M | 125.89M | 286.77M |
| Net receivables | 7.90M | 7.47M | 7.49M | 35.63M | 13.47M |
| Long term debt | 95.93M | 120.93M | 110.93M | 30.93M | 30.93M |
| Inventory | - | - | 40.86M | 4.73M | 4.48M |
| Accounts payable | 0.95M | 0.49M | 0.61M | 26.58M | 15.79M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -25.26600M | -30.24800M | -35.82700M | -39.02600M | -27.31400M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 0.07M | 0.07M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | 166.34M | 145.49M |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -1506.29300M | 101.20M | 1780.96M | -10.60500M | -6.85700M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 49.84M | 1815.61M | 1850.95M | 410.83M | 392.03M |
| Capital lease obligations | 1.18M | 1.38M | 1.56M | 2.37M | 2.76M |
| Long term debt total | - | - | - | 30.93M | 30.93M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -3.80800M | -38.43500M | -77.61800M | -168.50900M | -33.27900M |
| Change to liabilities | - | - | - | -0.72100M | 0.24M |
| Total cashflows from investing activities | -48.00900M | -38.43500M | -81.70900M | -172.40400M | -28.42500M |
| Net borrowings | -72.74800M | 29.99M | 60.85M | 6.87M | -61.46100M |
| Total cash from financing activities | 81.92M | 44.73M | 34.68M | 104.46M | -25.30800M |
| Change to operating activities | - | - | - | - | 0.24M |
| Net income | 24.52M | 20.57M | 15.06M | 25.05M | 19.77M |
| Change in cash | 53.28M | 28.57M | -24.56200M | -41.40500M | -33.71200M |
| Begin period cash flow | 78.33M | 49.75M | 74.31M | 115.72M | 149.43M |
| End period cash flow | 131.61M | 78.33M | 49.75M | 74.31M | 115.72M |
| Total cash from operating activities | 19.37M | 22.28M | 22.47M | 26.54M | 20.02M |
| Issuance of capital stock | 0.32M | 0.29M | 0.27M | 0.22M | 0.21M |
| Depreciation | 2.87M | 3.79M | 4.92M | 3.65M | 3.43M |
| Other cashflows from investing activities | -38.11200M | -77.79800M | -131.22400M | -0.31900M | 5.98M |
| Dividends paid | 5.97M | 5.37M | 5.22M | 3.99M | 3.89M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -12.86600M | 2.55M | -4.93200M | 0.65M | -1.60100M |
| Sale purchase of stock | 0.00000M | -4.03200M | -1.49600M | 0.22M | -7.17900M |
| Other cashflows from financing activities | 160.32M | 23.85M | -19.75600M | 108.22M | 55.55M |
| Change to netincome | - | - | - | -0.76900M | 1.27M |
| Capital expenditures | 3.97M | 1.92M | 0.35M | 3.58M | 1.13M |
| Change receivables | - | - | - | 0.65M | -1.60100M |
| Cash flows other operating | - | - | - | -0.95900M | -2.92300M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | -41.40500M | -33.71200M |
| Change in working capital | -10.98300M | -1.76400M | 1.30M | -0.07300M | -1.36400M |
| Stock based compensation | 0.76M | 0.48M | 0.53M | 0.53M | 0.47M |
| Other non cash items | 2.79M | 0.02M | 1.56M | -3.20400M | -2.83700M |
| Free cash flow | 15.40M | 20.36M | 22.12M | 22.97M | 18.89M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FUNC First United Corporation |
0.74 1.84% | 41.01 | 10.06 | 5.27 | 2.87 | 1.19 | 3.24 |
| HDB HDFC Bank Limited ADR |
0.23 1.02% | 23.25 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.27 0.88% | 30.44 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
0.16 0.32% | 50.61 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.92 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
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.
19 South Second Street, Oakland, MD, United States, 21550-0009
| Name | Title | Year Born |
|---|---|---|
| Ms. Carissa L. Rodeheaver CPA, CFP, CPA | Chairman, Pres & CEO | 1966 |
| Mr. Jason B. Rush | Sr. VP & COO | 1971 |
| Mr. Robert L. Fisher II | Sr. VP & Chief Revenue Officer | 1969 |
| Ms. Tonya K. Sturm | Sr. VP, CFO, Corp. Sec. & Treasurer | 1967 |
| Mr. Keith R. Sanders M.B.A. | Sr. VP & Chief Wealth Officer | 1970 |
| Ms. Carissa L. Rodeheaver CPA, CFP | Chairman, President & CEO | 1966 |
| Mr. Jason B. Rush | Senior VP & COO | 1971 |
| Mr. Robert L. Fisher II | Senior VP & Chief Revenue Officer | 1969 |
| Ms. Tonya K. Sturm | Senior VP, CFO, Corporate Secretary & Treasurer | 1967 |
| Mr. Keith R. Sanders M.B.A. | Senior VP & Senior Trust Officer | 1970 |
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