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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: $36.95 Daily Weekly Monthly 20 Day Moving Average: 12,217 shares Shares Outstanding: 6.50 (millions) Market Capitalization: $240.06 (millions) Beta: 0.54 52 Week High: $41.95 52 Week Low: $24.66 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -6.62% -6.70% 12 Week -3.12% -4.09% Year To Date -1.31% -1.82%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 19 SOUTH SECOND STREET - OAKLAND,MD 21550 USA ph: 800-470-4356 fax: 301-334-5784 investorrelations@mybank.com 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: 12/01/25 Next Expected EPS Date: 04/20/26 Share - Related Items Shares Outstanding: 6.50 Most Recent Split Date: 3.00 (1.05:1) Beta: 0.54 Market Capitalization: $240.06 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 2.81% Current Fiscal Quarter EPS Consensus Estimate: $0.92 Indicated Annual Dividend: $1.04 Current Fiscal Year EPS Consensus Estimate: $4.25 Payout Ratio: 0.26 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.04 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 01/16/2026 - $0.26 Next EPS Report Date: 04/20/26

• Fundamental Ratios P/E Current FY Estimate: 8.69 Trailing 12 Months: 9.28 PEG Ratio: - Price Ratios Price/Book: 1.21 Price/Cash Flow: 9.99 Price / Sales: 1.98 EPS Growth vs. Year Ago Period: 15.79% vs. Previous Quarter: 2.80% Sales Growth vs. Year Ago Period: 9.89% vs. Previous Quarter: 1.24% ROE 12/31/25 - 13.55 09/30/25 - 13.24 06/30/25 - 13.05 ROA 12/31/25 - 1.29 09/30/25 - 1.25 06/30/25 - 1.21 Current Ratio 12/31/25 - - 09/30/25 - 0.93 06/30/25 - 0.94 Quick Ratio 12/31/25 - - 09/30/25 - 0.93 06/30/25 - 0.94 Operating Margin 12/31/25 - 21.35 09/30/25 - 21.02 06/30/25 - 20.53 Net Margin 12/31/25 - 20.19 09/30/25 - 21.02 06/30/25 - 20.53 Pre-Tax Margin 12/31/25 - - 09/30/25 - 27.87 06/30/25 - 27.24 Book Value 12/31/25 - - 09/30/25 - 30.66 06/30/25 - 29.50 Inventory Turnover 12/31/25 - - 09/30/25 - 60.92 06/30/25 - 92.81 Debt-to-Equity 12/31/25 - - 09/30/25 - 0.48 06/30/25 - 0.63 Debt-to-Capital 12/31/25 - - 09/30/25 - 32.51 06/30/25 - 38.75

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