First United Q3 net income $6.9M, EPS $1.07, up from $0.89 YoY; dividend raised to $0.26/share

FIRST UNITED CORP/MD/

2025-Q3 EPS reported $2.88 vs consensus $0.91 ▲ beat (+217.3%)

Net income $6.9M ($1.07 diluted EPS) vs $5.8M ($0.89) in Q3 2024 and $6.0M ($0.92) in Q2 2025.
Net interest margin (FTE) 3.69%, driven by higher loan yields and stable funding costs.
Commercial loan originations $29.8M, residential mortgage originations $20.8M; payoffs unusually high.
Q3 dividend raised to $0.26 per common share.
Non-accrual loans $3.8M, down from $4.9M at Dec 2024; ACL at 1.28% of loans.

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