WallStSmart

Blue Foundry Bancorp (BLFY)vsBerkshire Hathaway Inc (BRK-A)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 791149% more annual revenue ($371.44B vs $46.94M). BRK-A leads profitability with a 18.0% profit margin vs -21.4%. BRK-A earns a higher WallStSmart Score of 51/100 (C-).

BLFY

Hold

36

out of 100

Grade: F

Growth: 6.7Profit: 2.0Value: 5.0Quality: 5.0

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

BLFY2 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
21.7%8/10

Revenue surging 21.7% year-over-year

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

BLFY4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$274.88M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-3.1%2/10

ROE of -3.1% — below average capital efficiency

Free Cash FlowQuality
$-6.22M2/10

Negative free cash flow — burning cash

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 : BLFY

The strongest argument for BLFY centers on Price/Book, Revenue Growth. Revenue growth of 21.7% 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 : BLFY

The primary concerns for BLFY are EPS Growth, Market Cap, Return on Equity.

Bear Case : BRK-A

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

Key Dynamics to Monitor

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

BRK-A carries more volatility with a beta of 0.70 — expect wider price swings.

BLFY is growing revenue faster at 21.7% — sustainability is the question.

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

Bottom Line

BRK-A scores higher overall (51/100 vs 36/100), backed by strong 18.0% 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.

Blue Foundry Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Blue Foundry Bancorp (BLFY), headquartered in New Jersey, is a community-focused financial institution dedicated to delivering personalized banking solutions that support local individuals and businesses. The bank offers a diverse array of financial products, including deposit accounts, consumer and commercial loans, and mortgage services, all aimed at stimulating regional economic growth. By harnessing innovative digital technologies, Blue Foundry Bancorp enhances customer experience while ensuring robust risk management and adherence to regulatory compliance. Its steadfast commitment to community engagement and sustainable banking practices solidifies its role as a key contributor to the local economy and the wider financial landscape.

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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