First United Corporation

FUNCNASDAQFinancial Services● Active

$41.20

+$0.93(+2.31%)

Market Cap$265604864

P/E Ratio—

52W High$41.95

52W Low$28

Avg Volume12K

Open$40.57

Beta0.53

Free Cash Flow Financials Revenue

First United Corporation (FUNC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

FUNC · free cash flow · updated Jun 9, 2026

Core FCF metrics

FUNC · FCF · TTM · margin & CAGR

Free cash flow was $15.4M for FY2025 (fiscal year ending 2025-12-31), down 24.3% year-over-year The FCF margin was 12.9%. Five-year CAGR stands at +1.1%.

FY2025 Free Cash Flow$15.4M▼ -24.3% YoY

Trailing 12M (TTM)$22.3Mtrailing 4 quarters sum

FCF Margin12.9%$15.4M ÷ revenue

3-Year CAGR-12.5%FY2022 → FY2025

5-Year CAGR+1.1%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

FUNC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$19.4M(4M)$15.4M▼ 24.3%12.9%

FY2024$22.3M(2M)$20.4M▼ 8.0%18.2%

FY2023$22.5M(0M)$22.1M▼ 3.7%23.1%

FY2022$26.5M(4M)$23.0M▲ +21.6%28.6%

FY2021$20.0M(1M)$18.9M▲ +29.7%24.0%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

FUNC · P/FCF · FCF yield · FCF per share

First United Corporation (FUNC) trades at a FCF yield of 8.45% and a price-to-free-cash-flow ratio of 12.0x. FCF per share stands at $3.44, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

8.45%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$3.44

TTM FCF ÷ Shares Outstanding

Price / FCF

x12.0

Share Price ÷ FCF per Share

EV / FCF (TTM)

x10.1

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

FUNC · cash flow statement · operating / investing / financing

For FY2025, First United Corporation generated $19.4M in operating cash flow and spent 4M in capital expenditures, yielding $15.4M in free cash flow.

Operating Activities

+$19.4M

Cash from core business operations

2025-12-31

Investing Activities

−$48.0M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$81.9M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($19.4M) − |CapEx| (4M) = FCF ($15.4M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

FUNC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

First United CorporationYOU

FUNC

$15.4M-24.3%12.9%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

First United Corporation (FUNC) reported free cash flow of $15.4M for FY2025 (fiscal year ending 2025-12-31), down 24.3% year-over-year. The FCF margin was 12.9%.

Based on available data, First United Corporation has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $62.8M in FY2011. The 5-year CAGR stands at +1.1%.

First United Corporation's FCF yield is 8.45% and price-to-FCF ratio is 12.0x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

FUNC free cash flow · 8 questions

First United Corporation free cash flow was $15.4M for FY2025, down 24.3% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $22.3M.

FUNC free cash flowFUNC FCFFUNC FCF 2025FUNC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · First United Corporation · First United Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026