WallStSmart

Berkshire Hathaway Inc (BRK-A)vsRhinebeck Bancorp Inc (RBKB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 716158% more annual revenue ($371.44B vs $51.86M). RBKB leads profitability with a 19.2% profit margin vs 18.0%. BRK-A trades at a lower P/E of 15.3x. 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

RBKB

Hold

44

out of 100

Grade: D

Growth: 4.7Profit: 6.0Value: 6.0Quality: 7.5
Piotroski: 5/9Altman Z: 1.11

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

RBKB4 strengths · Avg: 8.8/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

P/E RatioValuation
17.8x8/10

Attractively priced relative to earnings

Operating MarginProfitability
24.4%8/10

Strong operational efficiency at 24.4%

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%

RBKB4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.2%4/10

1.2% revenue growth

Market CapQuality
$180.68M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

EPS GrowthGrowth
-4.8%2/10

Earnings declined 4.8%

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 : RBKB

The strongest argument for RBKB centers on Price/Book, Debt/Equity, P/E Ratio. Profitability is solid with margins at 19.2% and operating margin at 24.4%.

Bear Case : BRK-A

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

Bear Case : RBKB

The primary concerns for RBKB are Revenue Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

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

BRK-A carries more volatility with a beta of 0.70 — expect wider price swings.

RBKB is growing revenue faster at 1.2% — 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 44/100), 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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Rhinebeck Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Rhinebeck Bancorp, Inc. is the banking holding company for Rhinebeck Bank providing banking and financial products and services to consumers and business customers in the Hudson Valley region of New York.

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