I'ved owned FTU for about 2 years and have followed that company and mgt. quite closely - in fact, closer than I ever wanted to.
My lesson that one could benefit from: FTU's mgt. is 2nd tier in the financial services industry. They are not a top tier team and they don't execute on new business ventures - such as the fumble job on network banking which has not gone anywhere.
You probably saw the news - FTU is selling their mortgage service business to Wells Fargo. Apparently they don't have confidence in their ability to execute. If a bank can't service mortgages (systems mgt. is key), then how the hell are they coing to implement network banking?
I could go on about specifics at FTU - but you have the essence of my opinion. Take a short-term gain and run as far as you can from FTU. Fundamentals are very important but I submit they are misleading with regard to FTU.
SF on the other hand, is a great little company and is undervalued on their basic business principals and future business outlook - not to mention the prospect of them being acquired.