WallStSmart

Berkshire Hathaway Inc (BRK-A)vsSB Financial Group Inc (SBFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 566003% more annual revenue ($375.39B vs $66.31M). SBFG leads profitability with a 24.3% profit margin vs 19.3%. SBFG trades at a lower P/E of 9.0x. SBFG earns a higher WallStSmart Score of 65/100 (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

SBFG

Buy

65

out of 100

Grade: C+

Growth: 8.0Profit: 7.0Value: 6.7Quality: 4.5
Piotroski: 4/9Altman Z: -0.64

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

SBFG5 strengths · Avg: 9.4/10
P/E RatioValuation
9.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

EPS GrowthGrowth
108.5%10/10

Earnings expanding 108.5% YoY

Profit MarginProfitability
24.3%9/10

Keeps 24 of every $100 in revenue as profit

Operating MarginProfitability
28.8%8/10

Strong operational efficiency at 28.8%

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

SBFG3 concerns · Avg: 2.3/10
Market CapQuality
$143.64M3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-3.23M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.642/10

Distress zone — elevated risk

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 : SBFG

The strongest argument for SBFG centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.3% and operating margin at 28.8%. Revenue growth of 11.8% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : SBFG

The primary concerns for SBFG are Market Cap, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

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

BRK-A carries more volatility with a beta of 0.62 — expect wider price swings.

SBFG is growing revenue faster at 11.8% — sustainability is the question.

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

Bottom Line

SBFG scores higher overall (65/100 vs 61/100), backed by strong 24.3% margins and 11.8% 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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SB Financial Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.

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