WallStSmart

Berkshire Hathaway Inc (BRK-A)vsPonce Financial Group Inc (PDLB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 329879% more annual revenue ($375.39B vs $113.76M). PDLB leads profitability with a 29.7% profit margin vs 19.3%. PDLB trades at a lower P/E of 14.5x. PDLB earns a higher WallStSmart Score of 62/100 (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

PDLB

Buy

62

out of 100

Grade: C+

Growth: 9.3Profit: 7.0Value: 6.0Quality: 3.5
Piotroski: 5/9Altman Z: -0.39

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 8.8/10
Market CapQuality
$1.05T10/10

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
14.6x8/10

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

PDLB6 strengths · Avg: 8.8/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.8%10/10

Strong operational efficiency at 39.8%

Profit MarginProfitability
29.7%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
18.4%8/10

18.4% revenue growth

EPS GrowthGrowth
40.0%8/10

Earnings expanding 40.0% 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

PDLB4 concerns · Avg: 2.8/10
Market CapQuality
$495.61M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.7%3/10

ROE of 5.7% — below average capital efficiency

Debt/EquityHealth
1.093/10

Elevated debt levels

Altman Z-ScoreHealth
-0.392/10

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 : PDLB

The strongest argument for PDLB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.7% and operating margin at 39.8%. Revenue growth of 18.4% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : PDLB

The primary concerns for PDLB are Market Cap, Return on Equity, Debt/Equity.

Key Dynamics to Monitor

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

BRK-A carries more volatility with a beta of 0.61 — expect wider price swings.

PDLB is growing revenue faster at 18.4% — sustainability is the question.

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

Bottom Line

PDLB scores higher overall (62/100 vs 61/100), backed by strong 29.7% margins and 18.4% revenue growth. 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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Ponce Financial Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

PDL Community Bancorp is the holding company of Ponce Bank offering various banking products and services primarily in the New York City metropolitan area.

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