WallStSmart

Berkshire Hathaway Inc (BRK-A)vsFirst Internet Bancorp (INBK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 841070% more annual revenue ($371.44B vs $44.16M). BRK-A leads profitability with a 18.0% profit margin vs -79.6%. BRK-A earns a higher WallStSmart Score of 51/100 (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

INBK

Hold

35

out of 100

Grade: F

Growth: 4.7Profit: 3.5Value: 5.0Quality: 4.3
Piotroski: 2/9

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

INBK2 strengths · Avg: 9.0/10
Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
23.8%8/10

Strong operational efficiency at 23.8%

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%

INBK4 concerns · Avg: 2.5/10
Market CapQuality
$198.39M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-9.5%2/10

ROE of -9.5% — below average capital efficiency

Revenue GrowthGrowth
-8.0%2/10

Revenue declined 8.0%

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 : INBK

The strongest argument for INBK centers on Price/Book, Operating Margin.

Bear Case : BRK-A

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

Bear Case : INBK

The primary concerns for INBK are Market Cap, Piotroski F-Score, Return on Equity.

Key Dynamics to Monitor

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

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

BRK-A is growing revenue faster at -0.7% — 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 35/100), 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.

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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First Internet Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Internet Bancorp is the banking holding company for First Internet Bank of Indiana that provides commercial and retail banking products and services to individuals and business customers in the United States. The company is headquartered in Fishers, Indiana.

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