WallStSmart

Berkshire Hathaway Inc (BRK-B)vsHbt Financial Inc (HBT)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 158688% more annual revenue ($371.44B vs $233.92M). HBT leads profitability with a 32.9% profit margin vs 18.0%. HBT trades at a lower P/E of 12.8x. BRK-B earns a higher WallStSmart Score of 54/100 (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

HBT

Hold

49

out of 100

Grade: D+

Growth: 4.7Profit: 7.5Value: 6.0Quality: 5.0

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

HBT4 strengths · Avg: 9.5/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.9%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.1%10/10

Strong operational efficiency at 46.1%

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

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%

HBT3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.1%4/10

1.1% revenue growth

Market CapQuality
$1.01B3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-6.3%2/10

Earnings declined 6.3%

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 : HBT

The strongest argument for HBT centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.9% and operating margin at 46.1%.

Bear Case : BRK-B

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

Bear Case : HBT

The primary concerns for HBT are Revenue Growth, Market Cap, EPS Growth.

Key Dynamics to Monitor

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

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

HBT is growing revenue faster at 1.1% — sustainability is the question.

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

Bottom Line

BRK-B scores higher overall (54/100 vs 49/100), backed by strong 18.0% margins. Both earn "Buy" and "Hold" 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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Hbt Financial Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

HBT Financial, Inc. is the banking holding company for Heartland Bank and Trust Company and State Bank of Lincoln offering commercial, commercial and retail banking products and services to individuals, businesses and municipal entities. The company is headquartered in Bloomington, Illinois.

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