Companies: 10,795·Total market cap: $144.5T
First United Corporation

First United Corporation

FUNCNASDAQFinancial Services● Active
$40.27
+$0.55(+1.38%)
Market Cap$259609414
P/E Ratio—
52W High$41.95
52W Low$28
Free Cash FlowFinancialsRevenue

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

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

Positive FCFNegative FCF
Free Cash Flow
YoY Growth %
func free cash flow history · func free cash flow chart · func free cash flow growth rate · func free cash flow last 10 years

Annual free cash flow data

Fiscal YearFree Cash FlowYoY ChangeFCF Margin
FY2025Latest$15.4M▼ 24.3%12.9%
FY2024$20.4M▼ 8.0%18.2%
FY2023$22.1M▼ 3.7%23.1%
FY2022$23.0M▲ +21.6%28.6%
FY2021$18.9M▲ +29.7%24.0%
FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP
func free cash flow 2025 · func free cash flow 2024 · func free cash flow 2023 · func operating cash flow

FCF valuation metrics

First United Corporation (FUNC) trades at a FCF yield of 8.60% and a price-to-free-cash-flow ratio of 11.7x. FCF per share stands at $3.44, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)
8.60%
Free Cash Flow ÷ Market Cap
per FMP freeCashFlowYieldTTM definition
FCF per Share (TTM)
$3.44
TTM FCF ÷ Shares Outstanding
Price / FCF
x11.7
Share Price ÷ FCF per Share
EV / FCF (TTM)
x9.9
Enterprise Value basis
Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31
func price to free cash flow · func free cash flow yield · func free cash flow per share · func price to cash flow ratio

Cash flow statement summary

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 →
func cash flow statement · func cash flow statement 2025 · func operating cash flow · func cash flow from operations

Free cash flow vs peers (Financial Services)

#CompanyFree Cash FlowYoY
#1
First United Corporation
First United CorporationYOU
FUNC
$15.4M-24.3%
#2
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$100.87B+340.1%#3
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-B
$25.04B+115.6%#4
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-A
$25.04B+115.6%#5
Visa Inc.
Visa Inc.
V
$21.58B+15.4%#6
Mastercard Incorporated
Mastercard Incorporated
MA
$16.91B+18.2%
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 8.60% and price-to-FCF ratio is 11.7x 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.
RevenueFinancial statementsNet incomeEarningsForecastPrice historyMarket capCash on handP/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