WallStSmart

Ameris Bancorp (ABCB)vsBerkshire Hathaway Inc (BRK-A)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 31581% more annual revenue ($371.44B vs $1.17B). ABCB leads profitability with a 37.1% profit margin vs 18.0%. ABCB appears more attractively valued with a PEG of 1.10. ABCB earns a higher WallStSmart Score of 75/100 (B).

ABCB

Strong Buy

75

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 5/9

BRK-A

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.46

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ABCB5 strengths · Avg: 9.2/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
37.1%10/10

Keeps 37 of every $100 in revenue as profit

Operating MarginProfitability
48.4%10/10

Strong operational efficiency at 48.4%

P/E RatioValuation
13.5x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
28.3%8/10

Earnings expanding 28.3% YoY

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.02T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.0%10/10

Strong operational efficiency at 33.0%

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$4.99B8/10

Generating 5.0B in free cash flow

Areas to Watch

ABCB0 concerns · Avg: 0/10

No major concerns identified

BRK-A4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
9.682/10

Expensive relative to growth rate

Revenue GrowthGrowth
-0.7%2/10

Revenue declined 0.7%

EPS GrowthGrowth
-2.5%2/10

Earnings declined 2.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : ABCB

The strongest argument for ABCB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 37.1% and operating margin at 48.4%. Revenue growth of 12.8% demonstrates continued momentum.

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 18.0% and operating margin at 33.0%.

Bear Case : ABCB

No major red flags identified for ABCB, but monitor valuation.

Bear Case : BRK-A

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

Key Dynamics to Monitor

ABCB profiles as a mature stock while BRK-A is a declining play — different risk/reward profiles.

ABCB carries more volatility with a beta of 0.94 — expect wider price swings.

ABCB is growing revenue faster at 12.8% — sustainability is the question.

BRK-A generates stronger free cash flow (5.0B), providing more financial flexibility.

Bottom Line

ABCB scores higher overall (75/100 vs 51/100), backed by strong 37.1% margins and 12.8% 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.

Ameris Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Ameris Bancorp is the banking holding company for Ameris Bank providing a range of banking services to retail and business clients primarily in Georgia, Alabama, Florida and South Carolina. The company is headquartered in Atlanta, Georgia.

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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