First United Q4 net income $6.2M ($0.95/dil) vs $1.8M year ago; full year EPS $3.15

FIRST UNITED CORP/MD/

2024-FY EPS reported $3.15 revenue$17,715,000

Q4 2024 GAAP net income $6.2M ($0.95 diluted EPS) vs $1.8M ($0.26) in Q4 2023.
Full year 2024 net income $20.6M ($3.15/dil) vs $15.1M ($2.25) in 2023, up 36%.
Net interest margin (FTE) 3.48% in Q4; loan growth $74.1M YoY to $1.5B.
ACL at 1.23% of loans; non-accrual loans $4.9M; net charge-offs 0.16% for 2024.
Book value per share $27.71 at Dec 31, 2024; declared $0.22 quarterly dividend.

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