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First United FUNC FHLB advances borrowing capacity

FHLB advances borrowing capacity at other companies

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Community Financial SystemCBU
$1.58B+32.8%

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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Net margin27.8%+0.2pp
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

Reported directly by First United in its filing.

Tagged under the XBRL concept us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.

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

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Questions, answered.

What is First United's FHLB advances borrowing capacity?
First United (FUNC) reported FHLB advances borrowing capacity of $261.55M in Q4 2025.
How has First United's FHLB advances borrowing capacity changed year-over-year?
First United's FHLB advances borrowing capacity increased by 22.5% year-over-year, from $213.57M to $261.55M.
What is the long-term trend for First United's FHLB advances borrowing capacity?
Over 5 years (2020 to 2025), First United's FHLB advances borrowing capacity has grown at a 14.2% compound annual growth rate (CAGR), from $134.4M to $261.55M.
What does FHLB advances borrowing capacity mean?
This metric quantifies the remaining borrowing capacity available to the institution under its existing Federal Home Loan Bank credit facilities. It provides insight into the bank's unused liquidity headroom and its capacity to meet unexpected deposit outflows or funding needs. A robust capacity level indicates a strong liquidity position and effective treasury management.