First United (FUNC) FCF Margin (2010 - 2026)
First United (FUNC) posted quarterly FCF Margin of 55.7% for Q1 2026, up 1831.0% year-over-year from 2.88% in Q1 2025, and down 24.23% quarter-over-quarter from 73.51% in Q4 2025.
First United (FUNC) FCF Margin (2010 - 2026) Analysis & Trends
First United (FUNC) has reported FCF Margin for 17 consecutive years, with 55.7% the latest figure, recorded in Q1 2026.
- In Q1 2026, FCF Margin rose 1831.0% year-over-year to 55.7%; the TTM figure through Mar 2026 stood at 32.37% (up 1003.0% YoY), while the FY2025 annual figure was 83.6%, down 3131.0% from the prior year.
- FCF Margin retreated to 55.7% in Q1 2026 per FUNC's latest filing, from 73.51% in the prior quarter.
- Across five years, FCF Margin topped out at 188.54% in Q3 2022 and bottomed at 0.74% in Q3 2025.
- Historically, FCF Margin has averaged 55.35% across 5 years, with a median of 36.63% in 2023.
- Annual changes were most pronounced in 2022 — FCF Margin jumped 17535 bps — and 2023, when it slumped 14269 bps.
- First United's FCF Margin stood at 173.74% in 2022, then slumped by 79 bps to 36.63% in 2023, then sank by 46 bps to 19.78% in 2024, then jumped by 272 bps to 73.51% in 2025, then slipped by 24 bps to 55.7% in 2026.
- Business Quant data shows FUNC's FCF Margin at 55.7% in Q1 2026, 73.51% in Q4 2025, and 0.74% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 31.23% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 62.71% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | - |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 18.14% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | - |
| 10 | First United | 279.65 Mn | 194.46 Mn | - | 19.46% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 32.36% |
| Mar 31, 2026 | 55.70% |
| Dec 31, 2025 | 73.51% |
| Sep 30, 2025 | 0.74% |
| Jun 30, 2025 | 6.48% |
| Mar 31, 2025 | 37.40% |
| Dec 31, 2024 | 19.78% |
| Sep 30, 2024 | 2.90% |
| Jun 30, 2024 | 35.10% |
| Mar 31, 2024 | 18.85% |
| Dec 31, 2023 | 36.63% |
| Sep 30, 2023 | 45.85% |
| Jun 30, 2023 | 23.28% |
| Mar 31, 2023 | 17.97% |
| Dec 31, 2022 | 173.74% |
| Sep 30, 2022 | 188.54% |
| Jun 30, 2022 | 130.21% |
| Mar 31, 2022 | 74.23% |
| Dec 31, 2021 | 221.98% |
| Sep 30, 2021 | 93.20% |