First United Corporation Reports Full Year 2025 GAAP Net Income of $24.5 Million, Record Core Earnings

FIRST UNITED CORP/MD/

2025-FY EPS reported $3.77 vs consensus $0.98 ▲ beat (+285.0%)

Full year 2025 GAAP net income rose to $24.5 million ($3.77/diluted share) from $20.6 million ($3.15/diluted share) in 2024.
Record non-GAAP core earnings of $25.8 million ($3.97/diluted share) for 2025, excluding OREO write-down and branch sale losses.
Net interest margin expanded to 3.67% in 2025 from 3.38% in 2024, driven by higher loan yields and stable funding costs.
Q4 2025 commercial loan originations reached $108.0 million; residential mortgage originations totaled $25.3 million.
Appointed Jason B. Rush as President and CEO; declared a $0.26 per share cash dividend in the fourth quarter.

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