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FUNC Financials FIRST UNITED CORP/MD/

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 5.7% per year over the past 5 years.
  • Net income has grown faster than revenue (12.1% vs 5.7% per year).
  • Free cash flow has grown 1.1% per year over the past 5 years.

Financial health

  • The company holds more cash ($132M) than total debt ($114M).
  • Total debt has grown slower than revenue (-5.4% vs 5.7% per year).

Shareholder returns

  • Dividends have been paid for 8 consecutive years, consuming 24.3% of earnings and 38.7% of free cash flow.
  • The dividend has grown 10.4% per year over the past 5 years.
Revenue & net income
$0 $13M $25M 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
0% 78% 155% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $31M $63M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $122M $244M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$312M -$19M $275M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $18M $25M 0.0% 0.0% $15M $114M $132M
2024 $18M $21M 0.0% 0.0% $20M $186M $78M
2023 $17M $15M 0.0% 0.0% $22M $156M $50M
2022 $16M $25M 0.0% 0.0% $23M $95M $74M
2021 $16M $20M 0.0% 0.0% $19M $89M $116M
2020 $14M $14M 0.0% 0.0% $15M $150M $149M
2019 $13M $13M 0.0% 0.0% $12M $150M $50M
2018 $13M $11M 0.0% 0.0% $9M $179M $24M
2017 $12M $5M 0.0% 0.0% $6M $170M $84M
2016 — $7M — — $8M $168M $63M
2015 — $13M — — $21M $183M $52M
2014 — $6M — — $3M $222M $35M
2013 — $6M — — $18M $226M $43M
2012 — $5M — — $14M $222M $43M
2011 — $4M — — $63M $244M $83M

Valuation over time

How the market has priced FUNC against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 7.6 15.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 7.6 15.1 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 2.4 4.7 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is FUNC growing its revenue and profit?

Over the past 5 years, FIRST UNITED CORP/MD/'s revenue has grown 5.7% per year, and net income grown 12.1% per year. These are computed facts, not advice.

How much debt does FUNC have?

As of FY2025, FIRST UNITED CORP/MD/ reported $114M of total debt against $132M of cash.

What is FUNC's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 133.0%.

What is FUNC's P/E ratio?

As of Jun '26, FIRST UNITED CORP/MD/ traded at a price-to-earnings ratio of about 11.4× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.