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First United FUNC Net gains/(losses) on sales of loans

Net gains/(losses) on sales of loans at other companies

Financial Institutions logo
Financial InstitutionsFISI
$125K+6.8%
United Community Banks logo
United Community BanksUCB
$1.89M+35.6%
JPMorgan Chase logo
JPMorgan ChaseJPM
——
UBS
United BanksharesUBSI
——
First Commonwealth Financial logo
First Commonwealth FinancialFCF
——
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
——

Segments

By segment

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Community Banking$86K-6.5%

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:GainLossOnSalesOfLoansNet.

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 gains/(losses) on sales of loans?
First United (FUNC) reported net gains/(losses) on sales of loans of $86K in Q1 2026.
How has First United's net gains/(losses) on sales of loans changed year-over-year?
First United's net gains/(losses) on sales of loans decreased by 6.5% year-over-year, from $92K to $86K.
What is the long-term trend for First United's net gains/(losses) on sales of loans?
Over 4 years (2021 to 2025), First United's net gains/(losses) on sales of loans has grown at a -16.8% compound annual growth rate (CAGR), from $1.12M to $533K.
What does net gains/(losses) on sales of loans mean?
This represents the net realized gains or losses resulting from the sale of loans from the bank's portfolio to third parties. It reflects the bank's strategy regarding loan origination for sale versus holding loans for investment.