WallStSmart

Amerant Bancorp Inc. (AMTB)vsBerkshire Hathaway Inc (BRK-A)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 93850% more annual revenue ($375.39B vs $399.57M). BRK-A leads profitability with a 19.3% profit margin vs 14.6%. BRK-A trades at a lower P/E of 14.6x. BRK-A earns a higher WallStSmart Score of 61/100 (C+).

AMTB

Buy

60

out of 100

Grade: C

Growth: 7.3Profit: 6.0Value: 5.3Quality: 4.5
Piotroski: 6/9Altman Z: -0.16

BRK-A

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AMTB3 strengths · Avg: 10.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
30.5%10/10

Strong operational efficiency at 30.5%

EPS GrowthGrowth
57.1%10/10

Earnings expanding 57.1% YoY

BRK-A6 strengths · Avg: 8.8/10
Market CapQuality
$1.05T10/10

Mega-cap, among the largest globally

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

Areas to Watch

AMTB4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.3%4/10

3.3% revenue growth

Market CapQuality
$997.20M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.7%3/10

ROE of 6.7% — below average capital efficiency

Altman Z-ScoreHealth
-0.162/10

Distress zone — elevated risk

BRK-A2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

PEG RatioValuation
9.682/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : AMTB

The strongest argument for AMTB centers on Price/Book, Operating Margin, EPS Growth.

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, EPS Growth, Debt/Equity. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bear Case : AMTB

The primary concerns for AMTB are Revenue Growth, Market Cap, Return on Equity.

Bear Case : BRK-A

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

Key Dynamics to Monitor

AMTB carries more volatility with a beta of 0.88 — expect wider price swings.

BRK-A is growing revenue faster at 4.4% — sustainability is the question.

BRK-A generates stronger free cash flow (5.5B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BRK-A scores higher overall (61/100 vs 60/100), backed by strong 19.3% margins. Both earn "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.

Amerant Bancorp Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Amerant Bancorp Inc. is the banking holding company for Amerant Bank, NA that provides banking products and services to individuals and businesses in the United States and internationally. The company is headquartered in Coral Gables, Florida.

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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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