WallStSmart

Berkshire Hathaway Inc (BRK-A)vsECB Bancorp Inc. (ECBK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 1067636% more annual revenue ($371.44B vs $34.79M). ECBK leads profitability with a 27.6% profit margin vs 18.0%. BRK-A trades at a lower P/E of 15.3x. ECBK earns a higher WallStSmart Score of 67/100 (B-).

BRK-A

Buy

51

out of 100

Grade: C-

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

ECBK

Strong Buy

67

out of 100

Grade: B-

Growth: 10.0Profit: 7.0Value: 6.0Quality: 5.3
Piotroski: 6/9

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

ECBK6 strengths · Avg: 9.5/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
45.1%10/10

Strong operational efficiency at 45.1%

Revenue GrowthGrowth
44.4%10/10

Revenue surging 44.4% year-over-year

EPS GrowthGrowth
140.6%10/10

Earnings expanding 140.6% YoY

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

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%

ECBK3 concerns · Avg: 3.0/10
Market CapQuality
$160.28M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.6%3/10

ROE of 5.6% — below average capital efficiency

Debt/EquityHealth
1.663/10

Elevated debt levels

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 : ECBK

The strongest argument for ECBK centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.6% and operating margin at 45.1%. Revenue growth of 44.4% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : ECBK

The primary concerns for ECBK are Market Cap, Return on Equity, Debt/Equity. Debt-to-equity of 1.66 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

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

ECBK is growing revenue faster at 44.4% — sustainability is the question.

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

Bottom Line

ECBK scores higher overall (67/100 vs 51/100), backed by strong 27.6% margins and 44.4% revenue growth. 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.

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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ECB Bancorp Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ECB Bancorp Inc. is the holding company for East Cambridge Savings Bank, a community-focused financial institution headquartered in Cambridge, Massachusetts. The bank offers a comprehensive suite of banking services, including residential and commercial lending, deposit accounts, and wealth management solutions, tailored to serve both individual and business needs. With a commitment to community engagement and a robust financial foundation, ECB Bancorp is strategically poised for long-term growth and profitability, implementing initiatives that enhance shareholder value in the competitive financial services sector.

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