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FUNC

NEUTRAL
$39.11 Live
First United Corporation · NASDAQ
Target $44.0 (+12.5%)
$26.3 52W Range $41.95

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AI Analysis

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Confidence
80%
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.

Key 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)
Sustainable dividend with a low payout ratio of 24.40%
Positive top-line revenue growth of 11.30% YoY

Key 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)
Small market capitalization ($0.25B) increasing volatility risk
Divergence between revenue growth and earnings performance
AI Fair Value Estimate
Based on comprehensive analysis
$38.97
-0.4% below current price

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