First Bancorp (FBNC)vsHartford Financial Services Group (HIG)
FBNC
First Bancorp
$64.80
-0.28%
FINANCIAL SERVICES · Cap: $2.69B
HIG
Hartford Financial Services Group
$136.90
-0.20%
FINANCIAL SERVICES · Cap: $36.85B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 6428% more annual revenue ($29.59B vs $453.20M). FBNC leads profitability with a 36.2% profit margin vs 15.6%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
FBNC
Strong Buy77
out of 100
Grade: B+
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Revenue surging 49.3% year-over-year
Earnings expanding 152.3% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Areas to Watch
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
Distress zone — elevated risk
3.9% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FBNC
The strongest argument for FBNC centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 36.2% and operating margin at 46.2%. Revenue growth of 49.3% demonstrates continued momentum.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : FBNC
The primary concerns for FBNC are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
FBNC profiles as a growth stock while HIG is a value play — different risk/reward profiles.
FBNC carries more volatility with a beta of 0.80 — expect wider price swings.
FBNC is growing revenue faster at 49.3% — sustainability is the question.
HIG generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 77/100), backed by strong 15.6% margins. Both earn "Strong Buy" and "Strong 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.
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.
Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
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