Filing Flows › First United (FUNC) › Q3 2026 › vs Q3 2025
First United (FUNC) Q3 2026 vs Q3 2025 (year over year)
First United's revenue rose $2.5M (+11%) from $22.7M in Q3 2025 to $25.2M in Q3 2026. The biggest changes: Net interest income +$2.2M (+13%); Noninterest income +$272K (+5%). Operating margin 37.6% against 40.6% (-3.1 pts).
First United, Q3 2026: revenue $25.2M (+11% year over year), operating margin 37.6%, net earnings $7.2M, operating cash flow $4.8M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 37.6% | 40.6% | -3.1 pts |
| Net margin | 28.5% | 30.6% | -2.1 pts |
| Free cash flow margin | 18.1% | 0.7% | +17.4 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $19.6M | $17.4M | $2.2M | +13% |
| Noninterest income | $5.6M | $5.3M | $272K | +5% |
| Revenue | $25.2M | $22.7M | $2.5M | +11% |
| Operating profit | $9.5M | $9.2M | $234K | +3% |
| Costs & expenses | $15.7M | $13.5M | $2.2M | +17% |
| Pre-tax earnings | $9.5M | $9.2M | $234K | +3% |
| Credit loss provision | $1.9M | $510K | $1.4M | +278% |
| Noninterest expense | $13.8M | $13.0M | $829K | +6% |
| Net earnings | $7.2M | $6.9M | $233K | +3% |
| Income tax | $2.3M | $2.3M | $1K | 0% |
| Working capital & other | $2.4M | $5.5M | −$3.2M | -57% |
| Operating cash flow | $4.8M | $1.5M | $3.3M | +217% |
| Free cash flow (OCF − capex) | $4.6M | $168K | $4.4M | 27× |
| Capital expenditures | $240K | $1.3M | −$1.1M | -82% |
Questions
How much did First United's revenue grow year over year in Q3 2026?
First United's revenue rose $2.5M (+11%) from $22.7M in Q3 2025 to $25.2M in Q3 2026.
What drove First United's revenue change in Q3 2026?
Net interest income +$2.2M (+13%); Noninterest income +$272K (+5%).