WallStSmart

Berkshire Hathaway Inc (BRK-A)vsGrupo Cibest S.A. (CIB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Grupo Cibest S.A. generates 6554% more annual revenue ($24.71T vs $371.44B). BRK-A leads profitability with a 18.0% profit margin vs 16.3%. CIB appears more attractively valued with a PEG of 0.43. CIB earns a higher WallStSmart Score of 56/100 (C).

BRK-A

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.46

CIB

Buy

56

out of 100

Grade: C

Growth: 3.3Profit: 6.0Value: 8.3Quality: 4.5
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

CIB4 strengths · Avg: 10.0/10
PEG RatioValuation
0.4310/10

Growing faster than its price suggests

P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.93T10/10

Generating 5.9T in free cash flow

Areas to Watch

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%

CIB3 concerns · Avg: 2.3/10
Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

Revenue GrowthGrowth
-80.1%2/10

Revenue declined 80.1%

EPS GrowthGrowth
-72.3%2/10

Earnings declined 72.3%

Comparative Analysis Report

WallStSmart Research

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%.

Bull Case : CIB

The strongest argument for CIB centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 16.3%. PEG of 0.43 suggests the stock is reasonably priced for its growth.

Bear Case : BRK-A

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

Bear Case : CIB

The primary concerns for CIB are Operating Margin, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

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

BRK-A is growing revenue faster at -0.7% — sustainability is the question.

CIB generates stronger free cash flow (5.9T), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CIB scores higher overall (56/100 vs 51/100), backed by strong 16.3% 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.

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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Grupo Cibest S.A.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bancolombia SA offers various banking products and services to individual and corporate clients in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica and Guatemala. The company is headquartered in Medelln, Colombia.

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