No connection

Search Results

FRAF vs FUNC

FRAF
Franklin Financial Services Corporation
BULLISH
Price
$56.95
Market Cap
$255.8M
Sector
Financial Services
AI Confidence
75%
FUNC
First United Corporation
NEUTRAL
Price
$39.11
Market Cap
$254.3M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
FRAF
11.55
FUNC
10.37
Forward P/E
FRAF
9.03
FUNC
8.32
P/B Ratio
FRAF
1.46
FUNC
1.25
P/S Ratio
FRAF
2.98
FUNC
2.96
EV/EBITDA
FRAF
--
FUNC
--

Profitability

Gross Margin
FRAF
0.0%
FUNC
0.0%
Operating Margin
FRAF
34.8%
FUNC
43.43%
Profit Margin
FRAF
24.7%
FUNC
28.53%
ROE
FRAF
13.27%
FUNC
12.8%
ROA
FRAF
0.96%
FUNC
1.21%

Growth

Revenue Growth
FRAF
54.7%
FUNC
11.3%
Earnings Growth
FRAF
1199.3%
FUNC
-7.0%

Financial Health

Debt/Equity
FRAF
--
FUNC
--
Current Ratio
FRAF
--
FUNC
--
Quick Ratio
FRAF
--
FUNC
--

Dividends

Dividend Yield
FRAF
2.42%
FUNC
2.65%
Payout Ratio
FRAF
27.64%
FUNC
24.4%

AI Verdict

FRAF BULLISH

FRAF presents a compelling value opportunity, trading significantly below its Graham Number ($65.86) and growth-based Intrinsic Value ($145.44). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company exhibits explosive year-over-year revenue and earnings growth that far exceeds sector averages. Despite a severely bearish technical trend (10/100), the fundamental valuation and low P/E ratio relative to peers suggest a strong margin of safety.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Explosive YoY earnings growth (1199.30%) and revenue growth (54.70%)
Low P/E ratio (11.55) compared to the financial services sector average (26.49)
Risks
Severely bearish short-term technical trend (10/100)
Small market capitalization ($0.26B) leading to higher volatility
Piotroski F-Score of 4/9 suggests mediocre operational health
FUNC NEUTRAL

FUNC presents a conflicting profile characterized by a weak Piotroski F-Score of 3/9, indicating deteriorating fundamental health, contrasted against an attractive valuation below its Graham Number of $51.55. While the company has a strong track record of earnings beats and impressive long-term price appreciation, current YoY earnings growth is negative (-7.00%) despite revenue growth. The technical trend is heavily bearish (10/100), suggesting significant short-term momentum risk despite the low P/E ratio. Overall, the stock is a value play with concerning operational health signals.

Strengths
Attractive valuation with a P/E of 10.37 and current price below Graham Number
Strong historical price performance (176% 5-year change)
Consistent earnings beat record (3 of last 4 quarters)
Risks
Weak fundamental health as indicated by a Piotroski F-Score of 3/9
Negative YoY earnings growth (-7.00%) suggesting margin compression
Severely bearish technical trend (10/100)

Compare Another Pair

FRAF vs FUNC: Head-to-Head Comparison

This page compares Franklin Financial Services Corporation (FRAF) and First United Corporation (FUNC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

Home
Terminal
AI
Markets
Profile