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FUNC vs RCS

FUNC
First United Corporation
NEUTRAL
Price
$39.11
Market Cap
$254.3M
Sector
Financial Services
AI Confidence
80%
RCS
PIMCO Strategic Income Fund, Inc.
NEUTRAL
Price
$5.43
Market Cap
$255.1M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FUNC
10.37
RCS
7.05
Forward P/E
FUNC
8.32
RCS
--
P/B Ratio
FUNC
1.25
RCS
1.15
P/S Ratio
FUNC
2.96
RCS
8.83
EV/EBITDA
FUNC
--
RCS
--

Profitability

Gross Margin
FUNC
0.0%
RCS
100.0%
Operating Margin
FUNC
43.43%
RCS
92.48%
Profit Margin
FUNC
28.53%
RCS
121.83%
ROE
FUNC
12.8%
RCS
16.5%
ROA
FUNC
1.21%
RCS
1.66%

Growth

Revenue Growth
FUNC
11.3%
RCS
-4.7%
Earnings Growth
FUNC
-7.0%
RCS
25.1%

Financial Health

Debt/Equity
FUNC
--
RCS
0.4
Current Ratio
FUNC
--
RCS
0.59
Quick Ratio
FUNC
--
RCS
0.58

Dividends

Dividend Yield
FUNC
2.65%
RCS
8.84%
Payout Ratio
FUNC
24.4%
RCS
62.34%

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)
RCS NEUTRAL

RCS exhibits a stable financial foundation with a Piotroski F-Score of 6/9 and is significantly undervalued relative to its Graham Number ($9.06) and Intrinsic Value ($22.71). While the fund boasts a strong dividend yield of 8.84% and impressive earnings growth of 25.10%, these fundamentals are currently overshadowed by a severe technical breakdown. The technical trend is 0/100, with a 21.5% price decline over the last six months, suggesting a strong bearish momentum that offsets the deep value proposition.

Strengths
Deep value valuation with a P/E of 7.05 vs sector average of 35.16
Strong dividend profile with 8.84% yield and sustainable 62.34% payout ratio
Robust earnings growth of 25.10% YoY
Risks
Extreme bearish technical trend (0/100) and recent 6-month price collapse
Negative revenue growth (-4.70% YoY) indicating potential shrinking AUM or fee compression
Weak insider sentiment (40/100) suggesting lack of internal confidence

Compare Another Pair

FUNC vs RCS: Head-to-Head Comparison

This page compares First United Corporation (FUNC) and PIMCO Strategic Income Fund, Inc. (RCS) 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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