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 144562% more annual revenue ($384.69B vs $265.92M). HBT leads profitability with a 29.2% profit margin vs 22.3%. BRK-B trades at a lower P/E of 12.7x. 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

HBT

Buy

65

out of 100

Grade: C+

Growth: 8.7Profit: 7.5Value: 6.0Quality: 5.5
Piotroski: 7/9Altman Z: -0.20

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.7/10
Market CapQuality
$1.07T10/10

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

HBT6 strengths · Avg: 9.0/10
Operating MarginProfitability
49.9%10/10

Strong operational efficiency at 49.9%

Revenue GrowthGrowth
37.7%10/10

Revenue surging 37.7% year-over-year

Profit MarginProfitability
29.2%9/10

Keeps 29 of every $100 in revenue as profit

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

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

HBT2 concerns · Avg: 2.5/10
Market CapQuality
$1.29B3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.202/10

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 : HBT

The strongest argument for HBT centers on Operating Margin, Revenue Growth, Profit Margin. Profitability is solid with margins at 29.2% and operating margin at 49.9%. Revenue growth of 37.7% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : HBT

The primary concerns for HBT are Market Cap, Altman Z-Score.

Key Dynamics to Monitor

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

BRK-B carries more volatility with a beta of 0.61 — expect wider price swings.

HBT is growing revenue faster at 37.7% — 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 65/100), backed by strong 22.3% margins. Both earn "Strong 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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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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