WallStSmart

Berkshire Hathaway Inc (BRK-A)vsFirst Bancorp Inc (FNLC)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 389204% more annual revenue ($384.69B vs $98.81M). FNLC leads profitability with a 38.3% profit margin vs 22.3%. FNLC trades at a lower P/E of 10.1x. BRK-A earns a higher WallStSmart Score of 74/100 (B).

BRK-A

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.59

FNLC

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 6.7Quality: 4.0
Piotroski: 4/9Altman Z: -0.66

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.7/10
Market CapQuality
$1.09T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

EPS GrowthGrowth
107.8%10/10

Earnings expanding 107.8% YoY

Profit MarginProfitability
22.3%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

FNLC4 strengths · Avg: 10.0/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
38.3%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
48.7%10/10

Strong operational efficiency at 48.7%

Areas to Watch

BRK-A1 concerns · Avg: 2.0/10
PEG RatioValuation
9.682/10

Expensive relative to growth rate

FNLC3 concerns · Avg: 2.3/10
Market CapQuality
$383.04M3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-12.98M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.662/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.6%.

Bull Case : FNLC

The strongest argument for FNLC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 38.3% and operating margin at 48.7%. Revenue growth of 12.9% demonstrates continued momentum.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : FNLC

The primary concerns for FNLC are Market Cap, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

BRK-A carries more volatility with a beta of 0.60 — expect wider price swings.

FNLC is growing revenue faster at 12.9% — sustainability is the question.

BRK-A generates stronger free cash flow (5.6B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BRK-A scores higher overall (74/100 vs 64/100), backed by strong 22.3% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Berkshire Hathaway Inc

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Berkshire Hathaway Inc. is an American multinational conglomerate holding company headquartered in Omaha, Nebraska, United States. The company wholly owns GEICO, Duracell, Dairy Queen, BNSF, Lubrizol, Fruit of the Loom, Helzberg Diamonds, Long & Foster, FlightSafety International, Pampered Chef, Forest River, and NetJets, and also owns 38.6% of Pilot Flying J; and significant minority holdings in public companies Kraft Heinz Company (26.7%), American Express (18.8%), The Coca-Cola Company (9.32%), Bank of America (11.9%), and Apple (6.3%).

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First Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Bancorp, Inc. is the holding company of First National Bank offering a range of banking products and services to individual and corporate clients. The company is headquartered in Damariscotta, Maine.

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