WallStSmart

Berkshire Hathaway Inc (BRK-A)vsTowne Bank (TOWN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 34334% more annual revenue ($384.69B vs $1.12B). TOWN leads profitability with a 28.6% profit margin vs 22.3%. BRK-A trades at a lower P/E of 12.8x. TOWN earns a higher WallStSmart Score of 74/100 (B).

BRK-A

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.59

TOWN

Strong Buy

74

out of 100

Grade: B

Growth: 9.3Profit: 7.0Value: 6.0Quality: 6.5
Piotroski: 3/9Altman Z: -0.49

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.7/10
Market CapQuality
$1.09T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

EPS GrowthGrowth
107.8%10/10

Earnings expanding 107.8% YoY

Profit MarginProfitability
22.3%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

TOWN6 strengths · Avg: 9.7/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
61.0%10/10

Strong operational efficiency at 61.0%

Revenue GrowthGrowth
117.8%10/10

Revenue surging 117.8% year-over-year

EPS GrowthGrowth
285.7%10/10

Earnings expanding 285.7% YoY

Profit MarginProfitability
28.6%9/10

Keeps 29 of every $100 in revenue as profit

Debt/EquityHealth
0.159/10

Conservative balance sheet, low leverage

Areas to Watch

BRK-A1 concerns · Avg: 2.0/10
PEG RatioValuation
9.682/10

Expensive relative to growth rate

TOWN4 concerns · Avg: 2.5/10
Return on EquityProfitability
5.4%3/10

ROE of 5.4% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-38.62M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.492/10

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, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.6%.

Bull Case : TOWN

The strongest argument for TOWN centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 28.6% and operating margin at 61.0%. Revenue growth of 117.8% demonstrates continued momentum.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : TOWN

The primary concerns for TOWN are Return on Equity, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

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

TOWN carries more volatility with a beta of 0.69 — expect wider price swings.

TOWN is growing revenue faster at 117.8% — sustainability is the question.

BRK-A generates stronger free cash flow (5.6B), providing more financial flexibility.

Bottom Line

BRK-A scores higher overall (74/100 vs 74/100), backed by strong 22.3% margins. Both earn "Strong Buy" and "Strong 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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Towne Bank

FINANCIAL SERVICES · BANKS - REGIONAL · USA

TowneBank offers retail and business banking services for individuals, professionals, and business companies. The company is headquartered in Portsmouth, Virginia.

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