First United (FUNC) Stock: Buy, Sell, or Hold?
FUNC - First United Corp
$45.92
1.84 (4.17%)
▲
5d:
+4.55%
30d:
+7.39%
90d:
+3.03%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 19, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: FUNC shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: FUNC shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$57.47
Based on 6.3% avg growth
INTRINSIC VALUE TODAY
$35.69
Trading above historical range
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 8.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FUNC is currently trading at $45.92, which is considered extended relative to its 30-day fair value range of $42.99 to $44.40. The stock's valuation (Forward PE: 9.4) is in line with its historical norms (8.7). At these levels, the market is pricing in 2.7% 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. The price is approaching resistance at $46.09. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 4.2% recently.
Market Sentiment: The stock scores a mixed 59/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, FUNC is in a uptrend. The price is approaching resistance at $46.09. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 4.2% recently.
Market Sentiment: The stock scores a mixed 59/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$42.99 -
$44.40
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
51.9%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (59/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+4.2%)
- NEUTRAL: Near Wall St target ($50.00)
- NEUTRAL: Market pricing in 2.7% annual earnings growth - fairly valued
- WARNING: Composite score 50/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$42.99 -
$44.40
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$41.30
Resistance Level
$46.09
Current Trend
Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.43
Wall Street Target
$50.00
(+8.9%)
Revenue Growth (YoY)
4.8%
Earnings Growth (YoY)
3.9%
Profit Margin
27.6%
Valuation Premium vs History
+2.7% premium
PE vs Historical
9.4 vs 8.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.7%
(market-implied from PE analysis)
1-Year Target
$47.16
(+3%)
2-Year Target
$48.43
(+6%)
3-Year Target
$49.74
(+8%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$45.89
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 8.6%)
$123.82
(+170%)
Base:
(SPY PE: 9.4, Growth: 8.6%)
$58.79
(+28%)
Bear:
(PE: 8.0, Growth: 8.6%)
$49.97
(+9%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 11.42 | Current EPS (TTM): $3.86
Bull Case
$61.18
(+33%)
Analyst growth 26.2%, PE expands to 12.6
Base Case
$55.61
(+21%)
Market implied 26.2%, PE stable at 11.4
Bear Case
$29.97
(-35%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 8:58 AM ET
Data refreshes hourly during market hours. Next update: 9:58 AM
Data refreshes hourly during market hours. Next update: 9:58 AM
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Technical Signals Check
Is FUNC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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