WallStSmart

Berkshire Hathaway Inc (BRK-A)vsTompkins Financial Corporation (TMP)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 85052% more annual revenue ($375.39B vs $440.85M). TMP leads profitability with a 38.0% profit margin vs 19.3%. TMP appears more attractively valued with a PEG of 1.61. TMP earns a higher WallStSmart Score of 76/100 (B+).

BRK-A

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.59

TMP

Strong Buy

76

out of 100

Grade: B+

Growth: 8.7Profit: 8.0Value: 6.3Quality: 4.0
Piotroski: 5/9Altman Z: -0.54

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

TMP5 strengths · Avg: 9.2/10
P/E RatioValuation
8.0x10/10

Attractively priced relative to earnings

Profit MarginProfitability
38.0%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
41.9%10/10

Strong operational efficiency at 41.9%

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
32.8%8/10

Earnings expanding 32.8% 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

TMP3 concerns · Avg: 3.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Market CapQuality
$1.35B3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.542/10

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 : TMP

The strongest argument for TMP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 38.0% and operating margin at 41.9%.

Bear Case : BRK-A

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

Bear Case : TMP

The primary concerns for TMP are PEG Ratio, Market Cap, Altman Z-Score.

Key Dynamics to Monitor

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

TMP carries more volatility with a beta of 0.72 — expect wider price swings.

TMP is growing revenue faster at 7.6% — sustainability is the question.

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

Bottom Line

TMP scores higher overall (76/100 vs 61/100), backed by strong 38.0% margins. Both earn "Strong 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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Tompkins Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.

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