WallStSmart

Berkshire Hathaway Inc (BRK-B)vsInternational Bancshares Corporation (IBOC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 44717% more annual revenue ($375.39B vs $837.62M). IBOC leads profitability with a 49.8% profit margin vs 19.3%. IBOC appears more attractively valued with a PEG of 0.98. IBOC earns a higher WallStSmart Score of 71/100 (B).

BRK-B

Buy

62

out of 100

Grade: C+

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

IBOC

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 7.7Quality: 5.5
Piotroski: 5/9Altman Z: 0.62

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

IBOC6 strengths · Avg: 9.5/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
49.8%10/10

Keeps 50 of every $100 in revenue as profit

Operating MarginProfitability
63.9%10/10

Strong operational efficiency at 63.9%

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.988/10

Growing faster than its price suggests

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

IBOC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.622/10

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 : IBOC

The strongest argument for IBOC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 49.8% and operating margin at 63.9%. PEG of 0.98 suggests the stock is reasonably priced for its growth.

Bear Case : BRK-B

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

Bear Case : IBOC

The primary concerns for IBOC are Altman Z-Score.

Key Dynamics to Monitor

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

IBOC carries more volatility with a beta of 0.70 — expect wider price swings.

IBOC is growing revenue faster at 5.4% — sustainability is the question.

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

Bottom Line

IBOC scores higher overall (71/100 vs 62/100), backed by strong 49.8% 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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International Bancshares Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

International Bancshares Corporation, a multi-bank financial holding company, provides commercial and retail banking services. The company is headquartered in Laredo, Texas.

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