WallStSmart

Berkshire Hathaway Inc (BRK-B)vsFifth District Bancorp, Inc. Common Stock (FDSB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 2263146% more annual revenue ($371.44B vs $16.41M). FDSB leads profitability with a 24.9% profit margin vs 18.0%. BRK-B trades at a lower P/E of 15.3x. FDSB earns a higher WallStSmart Score of 59/100 (C).

BRK-B

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.60

FDSB

Buy

59

out of 100

Grade: C

Growth: 8.0Profit: 6.0Value: 5.3Quality: 3.8
Piotroski: 5/9Altman Z: -0.31

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.03T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.0%10/10

Strong operational efficiency at 33.0%

Debt/EquityHealth
0.199/10

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

FDSB4 strengths · Avg: 9.3/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

EPS GrowthGrowth
246.7%10/10

Earnings expanding 246.7% YoY

Profit MarginProfitability
24.9%9/10

Keeps 25 of every $100 in revenue as profit

Operating MarginProfitability
24.2%8/10

Strong operational efficiency at 24.2%

Areas to Watch

BRK-B4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

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%

FDSB4 concerns · Avg: 2.5/10
Market CapQuality
$79.87M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.2%3/10

ROE of 3.2% — below average capital efficiency

Free Cash FlowQuality
$-365,0002/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.312/10

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 18.0% and operating margin at 33.0%.

Bull Case : FDSB

The strongest argument for FDSB centers on Price/Book, EPS Growth, Profit Margin. Profitability is solid with margins at 24.9% and operating margin at 24.2%. Revenue growth of 11.9% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : FDSB

The primary concerns for FDSB are Market Cap, Return on Equity, Free Cash Flow.

Key Dynamics to Monitor

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

FDSB is growing revenue faster at 11.9% — sustainability is the question.

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

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FDSB scores higher overall (59/100 vs 54/100), backed by strong 24.9% margins and 11.9% 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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Fifth District Bancorp, Inc. Common Stock

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Fifth District Bancorp, Inc. (FDSB) is a progressive financial institution dedicated to providing a comprehensive suite of banking services designed to meet the distinct needs of individuals and businesses within its communities. The bank emphasizes community involvement and sustainable growth, leveraging innovative solutions and a customer-first philosophy to cultivate loyalty and drive economic results. With a robust capital position and effective risk management strategies, FDSB is well-equipped to thrive in fluctuating economic conditions while pursuing strategic growth opportunities. Institutional investors can anticipate a strong dedication to enhancing shareholder value through initiatives that improve financial performance and operational efficacy.

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