First Bancorp Inc (FNLC)vsHartford Financial Services Group (HIG)
FNLC
First Bancorp Inc
$36.78
-0.16%
FINANCIAL SERVICES · Cap: $407.30M
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 29054% more annual revenue ($29.59B vs $101.48M). FNLC leads profitability with a 38.8% profit margin vs 15.6%. HIG trades at a lower P/E of 9.2x. HIG earns a higher WallStSmart Score of 79/100 (B+).
FNLC
Buy62
out of 100
Grade: C+
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 51.3%
Generating 18.6B in free cash flow
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
Smaller company, higher risk/reward
Distress zone — elevated risk
3.9% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FNLC
The strongest argument for FNLC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 38.8% and operating margin at 51.3%. Revenue growth of 11.2% 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 : FNLC
The primary concerns for FNLC are Market Cap, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
FNLC profiles as a mature stock while HIG is a value play — different risk/reward profiles.
FNLC carries more volatility with a beta of 0.48 — expect wider price swings.
FNLC is growing revenue faster at 11.2% — sustainability is the question.
FNLC generates stronger free cash flow (18.6B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 62/100), backed by strong 15.6% 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.
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.
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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