FUNC Stock Analysis: Buy, Sell, or Hold?
FUNC - First United Corp
$36.64
-0.12 (-0.33%)
▼
5d:
-0.22%
30d:
+2.29%
90d:
-3.58%
BUY
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 20, 2026
18d
Get Alerted When FUNC Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: FUNC shows positive signals but monitor for confirmation. Market pricing in 2.9% decline. Moderate conviction.
💡 BUY OPPORTUNITY: FUNC shows positive signals but monitor for confirmation. Market pricing in 2.9% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$56.75
Based on 7.3% avg growth
INTRINSIC VALUE TODAY
$35.24
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FUNC is currently trading at $36.64, which is considered extended relative to its 30-day fair value range of $35.76 to $36.59. The stock's valuation (Forward PE: 7.8) is in line with its historical norms (8.5). Remarkably, the market is currently pricing in an annual earnings decline of 2.9% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, FUNC is in a downtrend. The price is currently testing key support at $35.75. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FUNC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $44.00 (+20.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FUNC is in a downtrend. The price is currently testing key support at $35.75. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FUNC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $44.00 (+20.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$35.76 -
$36.59
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
61.9%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 20.1% below Wall St target ($44.00)
Fair Price Analysis
30-Day Fair Range
$35.76 -
$36.59
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$35.75
Resistance Level
$37.40
Current Trend
Downtrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.80
Wall Street Target
$44.00
(+20.1%)
Revenue Growth (YoY)
11.3%
Earnings Growth (YoY)
-7.0%
Profit Margin
28.5%
Valuation Discount vs History
-2.9% cheaper
PE vs Historical
7.8 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.9%
(market-implied from PE analysis)
1-Year Target
$35.58
(-3%)
2-Year Target
$34.55
(-6%)
3-Year Target
$33.54
(-9%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$36.57
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 10.6%)
$142.07
(+288%)
Base:
(SPY PE: 7.8, Growth: 10.6%)
$49.55
(+35%)
Bear:
(PE: 6.6, Growth: 10.6%)
$42.12
(+15%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 9.57 | Current EPS (TTM): $3.77
Bull Case
$49.46
(+34%)
Analyst growth 24.7%, PE expands to 10.5
Base Case
$44.97
(+22%)
Market implied 24.7%, PE stable at 9.6
Bear Case
$24.53
(-34%)
Severe decline -20.0%, PE contracts to 8.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.8 to 8.5
Stabilization Target:
$39.95
(+9.0%)
PE Expansion Potential:
+9.0%
Share & Embed Analysis
Last updated: March 31, 2026 7:16 PM ET
Data refreshes hourly during market hours. Next update: 8:16 PM
Data refreshes hourly during market hours. Next update: 8:16 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is FUNC showing a specific setup today?
Insider Activity (6 Months)
8
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Carissa Lynn Rodeheaver
BUY
159 shares
2026-02-03
Jason Barry Rush
BUY
73 shares
2026-02-03
Tonya K Sturm
BUY
3 shares
2026-02-03
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
FITB
Fifth Third Bancorp |
BUY
24 analysts |
$57 | 57 HOLD |
|
KEY
KeyCorp |
BUY
24 analysts |
$25 | 60 BUY |
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$21 | 57 HOLD |
|
NU
Nu Holdings Ltd |
BUY
20 analysts |
$20 | 66 BUY |
|
SNV
Synovus Financial Corp |
BUY
19 analysts |
$58 | 50 HOLD |
