WallStSmart

Berkshire Hathaway Inc (BRK-A)vsHoyne Bancorp, Inc. Common Stock (HYNE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 2355919% more annual revenue ($375.39B vs $15.93M). BRK-A leads profitability with a 19.3% profit margin vs 1.8%. BRK-A trades at a lower P/E of 14.0x. BRK-A earns a higher WallStSmart Score of 61/100 (C+).

BRK-A

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.59

HYNE

Avoid

34

out of 100

Grade: F

Growth: 6.0Profit: 3.0Value: 4.0Quality: 7.8
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
1.5x10/10

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

HYNE2 strengths · Avg: 10.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Areas to Watch

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

HYNE4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$121.38M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.8%3/10

1.8% margin — thin

P/E RatioValuation
407.3x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

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%.

Bull Case : HYNE

The strongest argument for HYNE centers on Price/Book, Debt/Equity. Revenue growth of 12.9% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : HYNE

The primary concerns for HYNE are EPS Growth, Market Cap, Profit Margin. A P/E of 407.3x leaves little room for execution misses. Thin 1.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

HYNE is growing revenue faster at 12.9% — sustainability is the question.

BRK-A generates stronger free cash flow (5.5B), providing more financial flexibility.

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

Bottom Line

BRK-A scores higher overall (61/100 vs 34/100), backed by strong 19.3% margins. Both earn "Buy" and "Avoid" 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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Hoyne Bancorp, Inc. Common Stock

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Hoyne Bancorp, Inc. is the bank holding company for Hoyne Savings Bank that provides various financial products and services. The company is headquartered in Chicago, Illinois.

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