WallStSmart

Arrow Financial Corporation (AROW)vsBerkshire Hathaway Inc (BRK-A)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 225964% more annual revenue ($384.69B vs $170.17M). AROW leads profitability with a 30.1% profit margin vs 22.3%. AROW appears more attractively valued with a PEG of 2.84. BRK-A earns a higher WallStSmart Score of 74/100 (B).

AROW

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 7.5Value: 5.0Quality: 4.5
Piotroski: 6/9Altman Z: 0.01

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

AROW4 strengths · Avg: 9.5/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.1%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
34.7%10/10

Strong operational efficiency at 34.7%

P/E RatioValuation
12.6x8/10

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

AROW4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

EPS GrowthGrowth
1.5%4/10

1.5% earnings growth

Market CapQuality
$725.20M3/10

Smaller company, higher risk/reward

PEG RatioValuation
2.842/10

Expensive relative to growth rate

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

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : AROW

The strongest argument for AROW centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.1% and operating margin at 34.7%.

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 : AROW

The primary concerns for AROW are Revenue Growth, EPS Growth, Market Cap.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Key Dynamics to Monitor

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

AROW carries more volatility with a beta of 0.73 — 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 58/100), 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.

Arrow Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Arrow Financial Corporation, a banking holding company, offers consumer and commercial banking and financial products and services. The company is headquartered in Glens Falls, New York.

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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