The Tip Desk

FIRST UNITED CORP/MD/

Company Stats

Market Cap
$276.0M
as of Sep 30, 2026
Shares Outstanding
6.5M
Free Float
91.1%

Income Statement

Revenue
$18.4M
Net Income
$24.5M
Revenue Growth, 3Y
4.5%
FCF Margin, 3Y Avg
110.4%
FCF Margin, Worst Year
83.6%

Cash Flow

Free Cash Flow
$15.4M
FCF Yield
5.6%
Owner FCF Yield
5.3%

Balance Sheet

Cash & Equivalents
$131.6M

Returns & Capital

Dividends Paid
$6.0M
Dividend Yield
2.2%
Dividend Payout, 3Y Avg
28.4%
SBC, 3Y Avg
$590,000

Cash Flow by Year

YearRevenueFCFMargin
FY2025$18.4M$15.4M83.6%
FY2024$17.7M$20.4M114.9%
FY2023$16.7M$22.1M132.7%
FY2022$16.2M$23.0M142.1%
FY2021$16.1M$18.9M117.7%

Annual filing data through FY ended December 31, 2025; shares and float as of November 8, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.

Earnings

Other Coverage