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BRK-B vs FNLC

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
FNLC
The First Bancorp, Inc.
BULLISH
Price
$28.69
Market Cap
$323.3M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BRK-B
15.46
FNLC
9.6
Forward P/E
BRK-B
22.06
FNLC
--
P/B Ratio
BRK-B
0.0
FNLC
1.14
P/S Ratio
BRK-B
2.79
FNLC
3.48
EV/EBITDA
BRK-B
-2.12
FNLC
--

Profitability

Gross Margin
BRK-B
26.15%
FNLC
0.0%
Operating Margin
BRK-B
32.96%
FNLC
51.14%
Profit Margin
BRK-B
18.03%
FNLC
37.04%
ROE
BRK-B
9.81%
FNLC
12.84%
ROA
BRK-B
5.11%
FNLC
1.09%

Growth

Revenue Growth
BRK-B
-0.7%
FNLC
22.8%
Earnings Growth
BRK-B
-2.5%
FNLC
41.1%

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
FNLC
5.0%
Payout Ratio
BRK-B
0.0%
FNLC
59.61%

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
FNLC BULLISH

FNLC presents a compelling value opportunity, trading significantly below its Graham Number ($41.20) and Intrinsic Value ($88.21). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company exhibits robust growth with YoY earnings increasing by 41.10%. The 5% dividend yield is well-supported by a sustainable payout ratio of 59.61%. Despite a severely bearish technical trend, the fundamental valuation and growth metrics suggest a strong margin of safety.

Strengths
Deep valuation discount relative to Graham Number and Intrinsic Value
Strong earnings growth (41.10% YoY) and revenue growth (22.80% YoY)
Attractive and sustainable dividend yield of 5.00%
Risks
Extremely bearish technical trend (10/100) indicating strong selling pressure
Small market capitalization ($0.32B) leading to higher volatility and liquidity risk
Average Piotroski F-Score (4/9) suggests room for improvement in operational efficiency

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and The First Bancorp, Inc. (FNLC) 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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