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First United Corporation (FUNC) investor relations material
First United Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q3 2025 was $6.9 million ($1.07 per diluted share), up from $5.8 million ($0.89) in Q3 2024 and $6.0 million ($0.92) in Q2 2025.
Net income for the first nine months of 2025 was $18.7 million ($2.88 per diluted share), compared to $14.4 million ($2.19) for the same period in 2024.
Annualized return on average assets was 1.24% and return on average equity was 13.23% for the nine months ended September 30, 2025.
Results were driven by increased net interest margin, higher loan yields, and expense control.
Financial highlights
Net interest income for Q3 2025 was $17.4 million, up from $15.2 million in Q3 2024.
Net interest margin (non-GAAP, FTE) was 3.69% for Q3 2025, up from 3.46% in Q3 2024.
Provision for credit losses was $0.5 million in Q3 2025, compared to $0.3 million in Q3 2024.
Other operating income for Q3 2025 was $5.1 million, up from $4.9 million in Q3 2024.
Operating expenses for Q3 2025 were $13.0 million, up from $12.3 million in Q3 2024.
Cash dividend of $0.26 per share declared in Q3 2025.
Outlook and guidance
Management remains focused on expense control and expects continued strong production from commercial, mortgage, and wealth management teams.
The commercial loan pipeline remains strong, with $50.4 million in the pipeline as of September 30, 2025.
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