First United (FUNC) Net Margin (2010 - 2026)
First United's (FUNC) quarterly Net Margin came in at 23.67% in Q2 2026, down 379.0% year-over-year from 8.48% in Q2 2025, and down 16.83% quarter-over-quarter from 28.46% in Q1 2026.
Analysis
First United (FUNC) Net Margin (2010 - 2026) Analysis & Trends
First United (FUNC) has reported Net Margin for 17 consecutive years, with 23.67% the latest figure, recorded in Q2 2026.
- On a quarterly basis, Net Margin fell 379.0% year-over-year to 23.67% in Q2 2026; TTM through Jun 2026 was 26.23%, a 113.0% decrease from a year earlier, with the FY2025 full-year figure at 133.28%, up 1833.0% from the prior year.
- Net Margin was 23.67% for Q2 2026 at First United, down from 28.46% in the prior quarter.
- Over five years, Net Margin peaked at 171.86% in Q4 2022 and troughed at 5.87% in Q4 2023.
- A 5-year average of 53.05% and a median of 26.64% in 2024 frame the typical range for Net Margin.
- Across the five-year window, Net Margin jumped 5977 bps in 2022 and plunged 16599 bps in 2023, its largest moves.
- Over 5 years, Net Margin stood at 171.86% in 2022, then plunged by 97 bps to 5.87% in 2023, then soared by 340 bps to 25.83% in 2024, then dropped by 13 bps to 22.4% in 2025, then increased by 6 bps to 23.67% in 2026.
- The last three Net Margin figures came in at 23.67% (Q2 2026), 28.46% (Q1 2026), and 22.4% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 946.00 Bn | 946.00 Bn | - | - |
| 2 | Truist Financial | 61.06 Bn | 61.06 Bn | - | 28.85% |
| 3 | Fifth Third Bancorp | 49.12 Bn | 25.40 Bn | - | 23.30% |
| 4 | M&T Bank | 34.45 Bn | 34.45 Bn | - | 30.85% |
| 5 | Huntington Bancshares | 33.24 Bn | 28.71 Bn | - | 24.18% |
| 6 | Citizens Financial | 29.07 Bn | 29.07 Bn | - | 24.27% |
| 7 | Regions Financial | 25.28 Bn | 25.28 Bn | - | 28.79% |
| 8 | First Citizens Bancshares | 24.49 Bn | 23.97 Bn | 29.00 Mn | 864.86% |
| 9 | Keycorp | 23.08 Bn | -24.62 Bn | - | 24.18% |
| 10 | First United | 280.94 Mn | 195.75 Mn | - | 23.67% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 23.67% |
| Mar 31, 2026 | 28.46% |
| Dec 31, 2025 | 22.40% |
| Sep 30, 2025 | 30.56% |
| Jun 30, 2025 | 27.46% |
| Mar 31, 2025 | 27.74% |
| Dec 31, 2024 | 25.83% |
| Sep 30, 2024 | 28.46% |
| Jun 30, 2024 | 24.47% |
| Mar 31, 2024 | 19.79% |
| Dec 31, 2023 | 5.87% |
| Sep 30, 2023 | 23.90% |
| Jun 30, 2023 | 23.55% |
| Mar 31, 2023 | 23.13% |
| Dec 31, 2022 | 171.86% |
| Sep 30, 2022 | 169.42% |
| Jun 30, 2022 | 134.52% |
| Mar 31, 2022 | 143.85% |
| Dec 31, 2021 | 180.51% |
| Sep 30, 2021 | 109.65% |