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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.Q3 2025 earnings summary20 Oct, 2025
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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Frequently asked questions
First United Corporation is a bank holding company that provides a range of financial products and services through its subsidiary, First United Bank & Trust. The company offers personal and commercial banking solutions, including checking and savings accounts, mortgages, personal and business loans, and credit services. It also provides wealth management services, such as investment management, trust services, and financial planning, aimed at meeting the diverse financial needs of its clients. First United Corporation serves individuals, small businesses, and commercial clients, primarily in Maryland and West Virginia. The company is headquartered in Oakland, Maryland, and its shares are listed on the NASDAQ.
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