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FUNC vs MA

FUNC
First United Corporation
NEUTRAL
Price
$39.11
Market Cap
$254.3M
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
FUNC
10.37
MA
30.28
Forward P/E
FUNC
8.32
MA
22.05
P/B Ratio
FUNC
1.25
MA
57.74
P/S Ratio
FUNC
2.96
MA
13.6
EV/EBITDA
FUNC
--
MA
22.13

Profitability

Gross Margin
FUNC
0.0%
MA
100.0%
Operating Margin
FUNC
43.43%
MA
57.73%
Profit Margin
FUNC
28.53%
MA
45.65%
ROE
FUNC
12.8%
MA
209.91%
ROA
FUNC
1.21%
MA
23.72%

Growth

Revenue Growth
FUNC
11.3%
MA
17.6%
Earnings Growth
FUNC
-7.0%
MA
24.2%

Financial Health

Debt/Equity
FUNC
--
MA
2.56
Current Ratio
FUNC
--
MA
1.03
Quick Ratio
FUNC
--
MA
0.68

Dividends

Dividend Yield
FUNC
2.65%
MA
0.7%
Payout Ratio
FUNC
24.4%
MA
18.4%

AI Verdict

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)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

FUNC vs MA: Head-to-Head Comparison

This page compares First United Corporation (FUNC) and Mastercard Incorporated (MA) 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.

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