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First United FUNC Year five

Year five at other companies

M&T Bank logo
M&T BankMTB
$13.37B+21.2%

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:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear.

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 five?
First United (FUNC) reported year five of $224.97M in Q1 2026.
How has First United's year five changed year-over-year?
First United's year five increased by 44.9% year-over-year, from $155.24M to $224.97M.
What is the long-term trend for First United's year five?
Over 3 years (2022 to 2025), First United's year five has grown at a 39.5% compound annual growth rate (CAGR), from $49.58M to $134.55M.
What does year five mean?
This represents the outstanding balance of miscellaneous financing receivables, excluding accrued interest, scheduled for maturity or repayment in the fifth year. It captures the long-term tail of the bank's non-core financing receivables. Monitoring this helps in assessing the bank's exposure to long-term interest rate and credit risks.