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Zacks Company Profile for First United Corporation (FUNC : NSDQ)

• Company Description    First United Corporation is a one-bank holding company with two non-bank subsidiaries. Number of Employees: 291

• Price / Volume Information    Yesterday's Closing Price: $35.48 Daily Weekly Monthly 20 Day Moving Average: 24,980 shares Shares Outstanding: 6.50 (millions) Market Capitalization: $230.51 (millions) Beta: 0.70 52 Week High: $42.50 52 Week Low: $24.66 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 2.22% -0.46% 12 Week 2.84% -1.42% Year To Date 5.25% -8.00%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 19 S SECOND ST - OAKLAND,MD 21550 USA ph: 800-470-4356 fax: 301-334-5784 None http://www.mybank.com

• General Corporate Information    Officers Carissa L. Rodeheaver - President and Chief Executive Officer Tonya K. Sturm - Senior Vice President and Chief Financial Officer Patricia A. Milon - Director Carissa L. Rodeheaver - Director I. Robert Rudy - Director Peer Information First United Corporation (CNBKA) First United Corporation (CNBI2) First United Corporation (CNOB) First United Corporation (FBNK.) First United Corporation (FMBN) First United Corporation (TBNK) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 33741H107 SIC: 6021 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 02/04/26 Share - Related Items Shares Outstanding: 6.50 Most Recent Split Date: 3.00 (1.05:1) Beta: 0.70 Market Capitalization: $230.51 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 2.93% Current Fiscal Quarter EPS Consensus Estimate: $0.96 Indicated Annual Dividend: $1.04 Current Fiscal Year EPS Consensus Estimate: $3.84 Payout Ratio: 0.23 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.01 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 10/17/2025 - $0.26 Next EPS Report Date: 02/04/26

• Fundamental Ratios P/E Current FY Estimate: 9.24 Trailing 12 Months: 9.26 PEG Ratio: - Price Ratios Price/Book: 1.16 Price/Cash Flow: 9.59 Price / Sales: 1.94 EPS Growth vs. Year Ago Period: 20.22% vs. Previous Quarter: 16.30% Sales Growth vs. Year Ago Period: 10.39% vs. Previous Quarter: 3.81% ROE 09/30/25 - 13.24 06/30/25 - 13.05 03/31/25 - 12.94 ROA 09/30/25 - 1.25 06/30/25 - 1.21 03/31/25 - 1.17 Current Ratio 09/30/25 - 0.93 06/30/25 - 0.94 03/31/25 - 0.94 Quick Ratio 09/30/25 - 0.93 06/30/25 - 0.94 03/31/25 - 0.94 Operating Margin 09/30/25 - 21.02 06/30/25 - 20.53 03/31/25 - 19.95 Net Margin 09/30/25 - 21.02 06/30/25 - 20.53 03/31/25 - 19.95 Pre-Tax Margin 09/30/25 - 27.87 06/30/25 - 27.24 03/31/25 - 26.45 Book Value 09/30/25 - 30.66 06/30/25 - 29.50 03/31/25 - 28.38 Inventory Turnover 09/30/25 - 60.92 06/30/25 - 92.81 03/31/25 - 70.69 Debt-to-Equity 09/30/25 - 0.48 06/30/25 - 0.63 03/31/25 - 0.66 Debt-to-Capital 09/30/25 - 32.51 06/30/25 - 38.75 03/31/25 - 39.70

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