First Bancorp (FBP)vsHartford Financial Services Group (HIG)
FBP
First Bancorp
$23.84
-1.41%
FINANCIAL SERVICES · Cap: $3.69B
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 2986% more annual revenue ($28.79B vs $932.90M). FBP leads profitability with a 38.2% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).
FBP
Strong Buy71
out of 100
Grade: B
HIG
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 47.8%
Reasonable price relative to book value
Earnings expanding 21.3% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 23 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Areas to Watch
Expensive relative to growth rate
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : FBP
The strongest argument for FBP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 38.2% and operating margin at 47.8%.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : FBP
The primary concerns for FBP are PEG Ratio.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Key Dynamics to Monitor
FBP profiles as a mature stock while HIG is a value play — different risk/reward profiles.
FBP carries more volatility with a beta of 0.83 — expect wider price swings.
FBP is growing revenue faster at 8.1% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 vs 71/100). 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. The company is headquartered in Santurce, Puerto Rico.
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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