What is First United's net margin?

First United (FUNC) reported net margin of 27.8% in Q1 2026.

How has First United's net margin changed year-over-year?

First United's net margin increased by 0.7% year-over-year, from 27.6% to 27.8%.

What is the long-term trend for First United's net margin?

Over 5 years (2020 to 2025), First United's net margin has grown at a 6.0% compound annual growth rate (CAGR), from 20.6% to 27.6%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

First United FUNC Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

M&T BankMTB

29.8%+1.5pp

Bank of AmericaBAC

27.3%+1.8pp

Truist FinancialTFC

26.9%-9.8pp

Fulton FinancialFULT

29.7%+4.9pp

PNC Financial ServicesPNC

30.5%+2.6pp

Other financials

Income statement

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Revenue$23.4M+11.9%

Net income$6.7M+14.8%

EPS (diluted)$1.03+15.7%

Balance sheet

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Cash & equivalents$89.8M+6.4%

Total debt$51.6M-63.8%

Total equity$205.3M+11.7%

Total assets$2.0B+3.0%

Cash flow

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Operating cash flow$13.9M+99.8%

CapEx$908.0K+55.2%

Free cash flow$13.0M+104%

Valuation

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Market cap$284.36M+49.5%

Enterprise value$246.13M-13.0%

P/E11.2×+3.2×

P/S3.1×+0.8×

Profitability

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FCF margin24.2%-4.1pp

Returns & leverage

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Return on equity13%+0.1pp

Debt / equity0.3×-0.5×

Where this comes from

Calculated from First United’s reported figures.

net income/total revenue=27.8%

Based on trailing twelve months.

The official record: First United’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First United's net margin?: First United (FUNC) reported net margin of 27.8% in Q1 2026.
How has First United's net margin changed year-over-year?: First United's net margin increased by 0.7% year-over-year, from 27.6% to 27.8%.
What is the long-term trend for First United's net margin?: Over 5 years (2020 to 2025), First United's net margin has grown at a 6.0% compound annual growth rate (CAGR), from 20.6% to 27.6%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.