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Year four at other companies

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M&T BankMTB
$10.53B-38.1%

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:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear.

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 four?
First United (FUNC) reported year four of $191.27M in Q1 2026.
How has First United's year four changed year-over-year?
First United's year four decreased by 31.9% year-over-year, from $280.94M to $191.27M.
What is the long-term trend for First United's year four?
Over 3 years (2022 to 2025), First United's year four has grown at a 29.3% compound annual growth rate (CAGR), from $115.02M to $248.77M.
What does year four mean?
This represents the outstanding balance of miscellaneous financing receivables, excluding accrued interest, scheduled for maturity or repayment in the fourth year. It provides visibility into the long-term composition of the bank's secondary loan portfolio. Analyzing these maturities helps in evaluating the bank's long-term capital allocation strategy.