WallStSmart

Berkshire Hathaway Inc (BRK-B)vsFirst Bancorp (FBNC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 95339% more annual revenue ($375.39B vs $393.33M). FBNC leads profitability with a 30.8% profit margin vs 19.3%. FBNC appears more attractively valued with a PEG of 1.56. FBNC earns a higher WallStSmart Score of 71/100 (B).

BRK-B

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

FBNC

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 7.0Value: 5.0Quality: 5.0
Piotroski: 4/9Altman Z: -0.42

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.02T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

FBNC5 strengths · Avg: 9.6/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.8%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
50.5%10/10

Strong operational efficiency at 50.5%

Debt/EquityHealth
0.0510/10

Conservative balance sheet, low leverage

EPS GrowthGrowth
28.5%8/10

Earnings expanding 28.5% YoY

Areas to Watch

BRK-B3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

FBNC3 concerns · Avg: 3.0/10
PEG RatioValuation
1.564/10

Expensive relative to growth rate

Return on EquityProfitability
7.6%3/10

ROE of 7.6% — below average capital efficiency

Altman Z-ScoreHealth
-0.422/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-B

The strongest argument for BRK-B centers on Market Cap, Price/Book, EPS Growth. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bull Case : FBNC

The strongest argument for FBNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.8% and operating margin at 50.5%. Revenue growth of 13.9% demonstrates continued momentum.

Bear Case : BRK-B

The primary concerns for BRK-B are Revenue Growth, Piotroski F-Score, PEG Ratio.

Bear Case : FBNC

The primary concerns for FBNC are PEG Ratio, Return on Equity, Altman Z-Score.

Key Dynamics to Monitor

BRK-B profiles as a value stock while FBNC is a mature play — different risk/reward profiles.

FBNC carries more volatility with a beta of 0.83 — expect wider price swings.

FBNC is growing revenue faster at 13.9% — sustainability is the question.

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

Bottom Line

FBNC scores higher overall (71/100 vs 62/100), backed by strong 30.8% margins and 13.9% revenue growth. 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

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.

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