WallStSmart

Berkshire Hathaway Inc (BRK-B)vsChemung Financial Corp (CHMG)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 310434% more annual revenue ($384.69B vs $123.88M). CHMG leads profitability with a 31.0% profit margin vs 22.3%. CHMG trades at a lower P/E of 10.8x. BRK-B earns a higher WallStSmart Score of 74/100 (B).

BRK-B

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

CHMG

Strong Buy

70

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 6.7Quality: 3.0
Piotroski: 1/9Altman Z: -0.60

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.7/10
Market CapQuality
$1.16T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

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

CHMG6 strengths · Avg: 9.3/10
P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Profit MarginProfitability
31.0%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
48.6%10/10

Strong operational efficiency at 48.6%

EPS GrowthGrowth
62.1%10/10

Earnings expanding 62.1% YoY

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
24.8%8/10

Revenue surging 24.8% year-over-year

Areas to Watch

BRK-B2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

CHMG4 concerns · Avg: 2.5/10
Market CapQuality
$415.95M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Free Cash FlowQuality
$-16.70M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.602/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-B

The strongest argument for BRK-B centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.6%.

Bull Case : CHMG

The strongest argument for CHMG centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 48.6%. Revenue growth of 24.8% demonstrates continued momentum.

Bear Case : BRK-B

The primary concerns for BRK-B are Piotroski F-Score, PEG Ratio.

Bear Case : CHMG

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

Key Dynamics to Monitor

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

BRK-B carries more volatility with a beta of 0.59 — expect wider price swings.

CHMG is growing revenue faster at 24.8% — sustainability is the question.

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

Bottom Line

BRK-B scores higher overall (74/100 vs 70/100), 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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Chemung Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Chemung Financial Corporation is the holding company of Chemung Canal Trust Company providing a range of banking, finance, trust and other financial services. The company is headquartered in Elmira, New York.

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