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First United FUNC Year one

Year one at other companies

M&T Bank logo
M&T BankMTB
$6.53B+23.9%

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:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear.

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 year one?
First United (FUNC) reported year one of $83.26M in Q1 2026.
How has First United's year one changed year-over-year?
First United's year one increased by 366.8% year-over-year, from $17.84M to $83.26M.
What is the long-term trend for First United's year one?
Over 3 years (2022 to 2025), First United's year one has grown at a -17.0% compound annual growth rate (CAGR), from $306.39M to $175.48M.
What does year one mean?
This represents the outstanding balance of miscellaneous financing receivables, excluding accrued interest, scheduled for maturity or repayment within the first year. It provides insight into the short-term liquidity profile of the bank's non-core loan assets. Tracking this helps in forecasting near-term cash inflows from the lending portfolio.