FUNC Stock Analysis: Buy, Sell, or Hold?
FUNC - First United Corp
$38.33
0.20 (0.52%)
▲
5d:
+4.24%
30d:
+0.63%
90d:
+9.45%
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 04, 2026
1d
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 0.2% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: FUNC shows positive signals but monitor for confirmation. Market pricing in 0.2% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$53.18
Based on 6.8% avg growth
INTRINSIC VALUE TODAY
$33.02
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 9.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FUNC is currently trading at $38.33, which is considered slightly high relative to its 30-day fair value range of $37.03 to $38.62. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (9.1). At these levels, the market is pricing in 0.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FUNC is in a uptrend. Immediate support is located at $36.35, while resistance sits at $39.95.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FUNC is in a uptrend. Immediate support is located at $36.35, while resistance sits at $39.95.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$37.03 -
$38.62
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($42.00)
- NEUTRAL: Market pricing in 0.2% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$37.03 -
$38.62
Current vs Fair Value
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$36.35
Resistance Level
$39.95
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.13
Wall Street Target
$42.00
(+9.6%)
Revenue Growth (YoY)
11.0%
Earnings Growth (YoY)
20.2%
Profit Margin
29.8%
Valuation Premium vs History
+0.2% premium
PE vs Historical
9.1 vs 9.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.2%
(market-implied from PE analysis)
1-Year Target
$38.41
(+0%)
2-Year Target
$38.48
(+0%)
3-Year Target
$38.56
(+1%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$38.45
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 9.7%)
$123.51
(+222%)
Base:
(SPY PE: 9.1, Growth: 9.7%)
$50.55
(+32%)
Bear:
(PE: 7.8, Growth: 9.7%)
$42.96
(+12%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.67 | Current EPS (TTM): $3.84
Bull Case
$44.67
(+17%)
Analyst growth 9.4%, PE expands to 10.6
Base Case
$40.61
(+6%)
Market implied 9.4%, PE stable at 9.7
Bear Case
$25.25
(-34%)
Severe decline -20.0%, PE contracts to 8.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: February 02, 2026 6:03 AM ET
Data refreshes hourly during market hours. Next update: 7:03 AM
Data refreshes hourly during market hours. Next update: 7:03 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is FUNC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Irvin Robert Rudy
SELL
2000 shares
2025-08-26
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$103 | 59 HOLD |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$230 | 64 BUY |
|
TFC
Truist Financial Corp |
HOLD
23 analysts |
$56 | 62 BUY |
|
SSB
SouthState Corporation |
STRONG BUY
11 analysts |
$119 | 63 BUY |
|
FHN
First Horizon National C… |
BUY
16 analysts |
$27 | 57 HOLD |
