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First United FUNC Q4 2025 Annual earnings

Reported February 4, 2026 · Before market open

Revenue$23.3MBeat by $553.0K
EPS$1.10Beat by $0.14
Revenue estimate$22.8M
EPS estimate$0.96

Next report

Oct 26, 2026 (In 3 weeks)
Revenue estimate$24.4M
EPS estimate$1.14

Financials

Q4 2025

Income statement

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Revenue$23.2M+11.9%
Net income$5.8M-6.6%
EPS (diluted)$0.89-7.3%

Balance sheet

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Cash & equivalents$131.6M+68.0%
Total debt$114.8M-38.9%
Total equity$203.6M+13.6%
Total assets$2.1B+5.8%

Cash flow

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Operating cash flow$9.9M+7.1%
CapEx$1.7M+3,780%
Free cash flow$8.2M-11.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$243.24M+11.6%
Enterprise value$226.4M-30.9%
P/E9.9×-0.7×
P/S2.7×0.0×

Profitability

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Net margin27.6%+1.9pp
FCF margin17.4%-8.1pp

Returns & leverage

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Return on equity12.8%+0.7pp
Debt / equity0.6×-0.5×

FAQ

When did First United report Q4 2025 earnings?
First United (FUNC) reported Q4 2025 earnings on February 4, 2026 before market open.
What were First United's Q4 2025 revenue and EPS?
First United reported revenue of $23.3M and eps of $1.10 for Q4 2025.
Did First United beat estimates in Q4 2025?
Revenue beat the consensus estimate of $22.8M by $553.0K. EPS beat the consensus estimate of $0.96 by $0.14.
How did First United's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 19.0% from $28.8M a year earlier and eps grew 15.3% from $0.95.
Where can I find First United's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-009207) and the 10-K periodic report (0001104659-26-025836) directly on SEC EDGAR. The filing index links above go to sec.gov.