WallStSmart

Berkshire Hathaway Inc (BRK-A)vsUnited Bancorp Inc (UBCP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 1167779% more annual revenue ($371.44B vs $31.80M). UBCP leads profitability with a 24.4% profit margin vs 18.0%. UBCP trades at a lower P/E of 12.2x. UBCP earns a higher WallStSmart Score of 58/100 (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

UBCP

Buy

58

out of 100

Grade: C

Growth: 7.3Profit: 7.0Value: 6.0Quality: 4.8
Piotroski: 3/9

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

UBCP5 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.7%10/10

Strong operational efficiency at 32.7%

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
17.4%8/10

17.4% revenue growth

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%

UBCP3 concerns · Avg: 2.7/10
Market CapQuality
$94.17M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-1.98M2/10

Negative free cash flow — burning cash

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 : UBCP

The strongest argument for UBCP centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 32.7%. Revenue growth of 17.4% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : UBCP

The primary concerns for UBCP are Market Cap, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

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

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

UBCP is growing revenue faster at 17.4% — sustainability is the question.

BRK-A generates stronger free cash flow (5.0B), providing more financial flexibility.

Bottom Line

UBCP scores higher overall (58/100 vs 51/100), backed by strong 24.4% margins and 17.4% 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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United Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

United Bancorp, Inc. is the banking holding company for Unified Bank providing commercial and retail banking services in Ohio. The company is headquartered in Martins Ferry, Ohio.

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