WallStSmart

Bayfirst Financial Corp (BAFN)vsBerkshire Hathaway Inc (BRK-A)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 1191627% more annual revenue ($375.39B vs $31.50M). BRK-A leads profitability with a 19.3% profit margin vs -89.8%. BRK-A earns a higher WallStSmart Score of 61/100 (C+).

BAFN

Hold

40

out of 100

Grade: D

Growth: 6.7Profit: 2.0Value: 5.0Quality: 7.8
Piotroski: 4/9

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

BAFN3 strengths · Avg: 9.7/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
609.0%10/10

Earnings expanding 609.0% YoY

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

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

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.0x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

Areas to Watch

BAFN4 concerns · Avg: 2.3/10
Market CapQuality
$31.19M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-32.3%2/10

ROE of -32.3% — below average capital efficiency

Revenue GrowthGrowth
-52.7%2/10

Revenue declined 52.7%

Free Cash FlowQuality
$-3.21M2/10

Negative free cash flow — burning cash

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 : BAFN

The strongest argument for BAFN centers on Price/Book, EPS Growth, Debt/Equity.

Bull Case : BRK-A

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

Bear Case : BAFN

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

Bear Case : BRK-A

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

Key Dynamics to Monitor

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

BRK-A carries more volatility with a beta of 0.62 — 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.

Bottom Line

BRK-A scores higher overall (61/100 vs 40/100), backed by strong 19.3% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Bayfirst Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

BayFirst Financial Corp. The company is headquartered in Saint Petersburg, Florida.

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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