WallStSmart

Berkshire Hathaway Inc (BRK-A)vsHorizon Bancorp (HBNC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates -1603917% more annual revenue ($371.44B vs $-23.16M). BRK-A leads profitability with a 18.0% profit margin vs 0.0%. HBNC appears more attractively valued with a PEG of 0.80. HBNC earns a higher WallStSmart Score of 55/100 (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

HBNC

Buy

55

out of 100

Grade: C-

Growth: 3.3Profit: 4.5Value: 6.0Quality: 3.0
Piotroski: 1/9Altman Z: -0.16

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

HBNC3 strengths · Avg: 9.3/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
46.6%10/10

Strong operational efficiency at 46.6%

PEG RatioValuation
0.808/10

Growing faster than its price suggests

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%

HBNC4 concerns · Avg: 2.8/10
Market CapQuality
$921.58M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Return on EquityProfitability
-20.1%2/10

ROE of -20.1% — below average capital efficiency

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 : HBNC

The strongest argument for HBNC centers on Price/Book, Operating Margin, PEG Ratio. PEG of 0.80 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 : HBNC

The primary concerns for HBNC are Market Cap, Profit Margin, Piotroski F-Score.

Key Dynamics to Monitor

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

HBNC carries more volatility with a beta of 0.80 — expect wider price swings.

HBNC is growing revenue faster at 8.5% — sustainability is the question.

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

Bottom Line

HBNC scores higher overall (55/100 vs 51/100). 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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Horizon Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Horizon Bancorp, Inc. is the banking holding company for Horizon Bank providing a range of commercial and retail banking services. The company is headquartered in Michigan City, Indiana.

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