WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 32411% more annual revenue ($384.69B vs $1.18B). ABCB leads profitability with a 31.8% profit margin vs 22.3%. ABCB appears more attractively valued with a PEG of 1.10. BRK-A earns a higher WallStSmart Score of 74/100 (B).

ABCB

Buy

61

out of 100

Grade: C+

Growth: 4.7Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 5/9Altman Z: 0.33

BRK-A

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ABCB4 strengths · Avg: 9.5/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.8%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
50.2%10/10

Strong operational efficiency at 50.2%

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

BRK-A6 strengths · Avg: 9.7/10
Market CapQuality
$1.09T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

EPS GrowthGrowth
107.8%10/10

Earnings expanding 107.8% YoY

Profit MarginProfitability
22.3%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

Areas to Watch

ABCB3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
3.6%4/10

3.6% revenue growth

EPS GrowthGrowth
-51.9%2/10

Earnings declined 51.9%

Altman Z-ScoreHealth
0.332/10

Distress zone — elevated risk

BRK-A1 concerns · Avg: 2.0/10
PEG RatioValuation
9.682/10

Expensive relative to growth rate

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 31.8% and operating margin at 50.2%. PEG of 1.10 suggests the stock is reasonably priced for its growth.

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.6%.

Bear Case : ABCB

The primary concerns for ABCB are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Key Dynamics to Monitor

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

ABCB carries more volatility with a beta of 0.92 — expect wider price swings.

BRK-A is growing revenue faster at 10.0% — sustainability is the question.

BRK-A generates stronger free cash flow (5.6B), providing more financial flexibility.

Bottom Line

BRK-A scores higher overall (74/100 vs 61/100), backed by strong 22.3% 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.

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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