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BRK-B vs FBP

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
FBP
First BanCorp.
NEUTRAL
Price
$23.41
Market Cap
$3.62B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BRK-B
15.46
FBP
10.89
Forward P/E
BRK-B
22.06
FBP
9.95
P/B Ratio
BRK-B
0.0
FBP
1.85
P/S Ratio
BRK-B
2.79
FBP
3.88
EV/EBITDA
BRK-B
-2.12
FBP
--

Profitability

Gross Margin
BRK-B
26.15%
FBP
0.0%
Operating Margin
BRK-B
32.96%
FBP
47.8%
Profit Margin
BRK-B
18.03%
FBP
38.22%
ROE
BRK-B
9.81%
FBP
19.04%
ROA
BRK-B
5.11%
FBP
1.87%

Growth

Revenue Growth
BRK-B
-0.7%
FBP
8.1%
Earnings Growth
BRK-B
-2.5%
FBP
21.3%

Financial Health

Debt/Equity
BRK-B
0.19
FBP
--
Current Ratio
BRK-B
7.07
FBP
--
Quick Ratio
BRK-B
6.62
FBP
--

Dividends

Dividend Yield
BRK-B
--
FBP
3.25%
Payout Ratio
BRK-B
0.0%
FBP
33.49%

AI Verdict

BRK-B NEUTRAL

The deterministic health profile is weak, highlighted by a Piotroski F-Score of 3/9, indicating deteriorating operational efficiency and profitability trends. While the company maintains a fortress balance sheet with a Debt/Equity ratio of 0.19 and a Current Ratio of 7.07, the stock is trading at a significant premium to its growth-based intrinsic value of $217.21. Negative YoY revenue and earnings growth, coupled with a bearish technical trend, offset the positive analyst sentiment and long-term historical performance.

Strengths
Exceptional liquidity with a Current Ratio of 7.07
Very low leverage (Debt/Equity 0.19)
Strong operating margins at 32.96%
Risks
Significant overvaluation relative to intrinsic value ($479.75 vs $217.21)
Negative YoY earnings growth (-2.50%) and revenue growth (-0.70%)
Weak Piotroski F-Score (3/9) suggesting declining financial health trends
FBP NEUTRAL

FBP presents a stark contrast between strong profitability and deteriorating operational health, highlighted by a weak Piotroski F-Score of 2/9. While the company maintains a robust ROE of 19.04% and a consistent track record of earnings beats, the low health score and bearish insider sentiment suggest underlying systemic risks. The stock is currently trading slightly below its Graham Number ($24.73), suggesting a defensive value floor, though it remains far below its growth-based intrinsic value of $63.42. Overall, the strong earnings momentum is offset by poor deterministic health metrics and negative insider signals.

Strengths
Strong Return on Equity (ROE) of 19.04%
Consistent earnings beat track record (3/4 last 4 quarters)
Attractive P/E ratio (10.89) relative to sector average
Risks
Very weak Piotroski F-Score (2/9) indicating poor financial health trends
Bearish insider activity with net selling in the last 6 months
High PEG ratio (4.15) suggesting growth is expensive relative to earnings

Compare Another Pair

BRK-B vs FBP: Head-to-Head Comparison

This page compares Berkshire Hathaway Inc. (BRK-B) and First BanCorp. (FBP) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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