WallStSmart

Berkshire Hathaway Inc (BRK-A)vsOrrstown Financial Services Inc (ORRF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 146900% more annual revenue ($375.39B vs $255.37M). ORRF leads profitability with a 33.1% profit margin vs 19.3%. ORRF trades at a lower P/E of 9.3x. ORRF earns a higher WallStSmart Score of 64/100 (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

ORRF

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 7.5Value: 6.7Quality: 6.5
Piotroski: 5/9Altman Z: 0.27

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 8.8/10
Market CapQuality
$1.07T10/10

Mega-cap, among the largest globally

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

ORRF5 strengths · Avg: 9.6/10
P/E RatioValuation
9.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
47.2%10/10

Strong operational efficiency at 47.2%

EPS GrowthGrowth
20.4%8/10

Earnings expanding 20.4% YoY

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

ORRF2 concerns · Avg: 2.5/10
Market CapQuality
$802.51M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
0.272/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, EPS Growth, Debt/Equity. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bull Case : ORRF

The strongest argument for ORRF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.1% and operating margin at 47.2%.

Bear Case : BRK-A

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

Bear Case : ORRF

The primary concerns for ORRF are Market Cap, Altman Z-Score.

Key Dynamics to Monitor

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

ORRF carries more volatility with a beta of 0.70 — expect wider price swings.

ORRF is growing revenue faster at 5.4% — sustainability is the question.

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

Bottom Line

ORRF scores higher overall (64/100 vs 61/100), backed by strong 33.1% 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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Orrstown Financial Services Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Orrstown Financial Services, Inc. is the holding company of Orrstown Bank providing trust and commercial banking services in the United States. The company is headquartered in Shippensburg, Pennsylvania.

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