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FUNC vs NUW

FUNC
First United Corporation
NEUTRAL
Price
$39.11
Market Cap
$254.3M
Sector
Financial Services
AI Confidence
80%
NUW
Nuveen AMT-Free Municipal Value Fund
BEARISH
Price
$14.11
Market Cap
$253.3M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
FUNC
10.37
NUW
28.22
Forward P/E
FUNC
8.32
NUW
--
P/B Ratio
FUNC
1.25
NUW
--
P/S Ratio
FUNC
2.96
NUW
--
EV/EBITDA
FUNC
--
NUW
--

Profitability

Gross Margin
FUNC
0.0%
NUW
0.0%
Operating Margin
FUNC
43.43%
NUW
0.0%
Profit Margin
FUNC
28.53%
NUW
0.0%
ROE
FUNC
12.8%
NUW
--
ROA
FUNC
1.21%
NUW
--

Growth

Revenue Growth
FUNC
11.3%
NUW
--
Earnings Growth
FUNC
-7.0%
NUW
--

Financial Health

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

Dividends

Dividend Yield
FUNC
2.65%
NUW
4.12%
Payout Ratio
FUNC
24.4%
NUW
116.4%

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)
NUW BEARISH

The asset exhibits severe fundamental weakness, highlighted by a critical Piotroski F-Score of 1/9, indicating poor financial health. There is a massive valuation gap between the current price of $14.11 and the calculated intrinsic value of $3.50, suggesting the fund is trading at a significant premium. Furthermore, the dividend payout ratio of 116.40% is unsustainable, as the fund is distributing more than it earns. Combined with a 0/100 technical trend, the data suggests a high risk of price correction.

Strengths
Positive 1-year price performance (+7.4%)
Consistent dividend yield of 4.12%
Relatively low price volatility within the 52-week range
Risks
Extreme overvaluation relative to intrinsic value ($14.11 vs $3.50)
Unsustainable dividend payout ratio (116.40%)
Critical financial health deterioration (Piotroski 1/9)

Compare Another Pair

FUNC vs NUW: Head-to-Head Comparison

This page compares First United Corporation (FUNC) and Nuveen AMT-Free Municipal Value Fund (NUW) 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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