WallStSmart

Berkshire Hathaway Inc (BRK-B)vsColumbia Financial Inc (CLBK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 144728% more annual revenue ($375.39B vs $259.20M). CLBK leads profitability with a 21.6% profit margin vs 19.3%. BRK-B trades at a lower P/E of 14.1x. BRK-B earns a higher WallStSmart Score of 62/100 (C+).

BRK-B

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

CLBK

Buy

56

out of 100

Grade: C

Growth: 8.7Profit: 6.5Value: 4.7Quality: 5.5
Piotroski: 5/9Altman Z: -0.25

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.02T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

CLBK5 strengths · Avg: 8.6/10
Operating MarginProfitability
33.4%10/10

Strong operational efficiency at 33.4%

Profit MarginProfitability
21.6%9/10

Keeps 22 of every $100 in revenue as profit

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
18.5%8/10

18.5% revenue growth

EPS GrowthGrowth
48.0%8/10

Earnings expanding 48.0% YoY

Areas to Watch

BRK-B3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

CLBK4 concerns · Avg: 3.0/10
P/E RatioValuation
36.6x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Debt/EquityHealth
1.063/10

Elevated debt levels

Altman Z-ScoreHealth
-0.252/10

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, EPS Growth. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bull Case : CLBK

The strongest argument for CLBK centers on Operating Margin, Profit Margin, Price/Book. Profitability is solid with margins at 21.6% and operating margin at 33.4%. Revenue growth of 18.5% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : CLBK

The primary concerns for CLBK are P/E Ratio, Return on Equity, Debt/Equity.

Key Dynamics to Monitor

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

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

CLBK is growing revenue faster at 18.5% — sustainability is the question.

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

Bottom Line

BRK-B scores higher overall (62/100 vs 56/100), backed by strong 19.3% margins. 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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Columbia Financial Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Columbia Financial, Inc. is the banking holding company for Columbia Bank that provides financial services to businesses and consumers in the United States.

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