WallStSmart

Berkshire Hathaway Inc (BRK-B)vsNorwood Financial Corp (NWFL)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 385803% more annual revenue ($384.69B vs $99.69M). NWFL leads profitability with a 28.9% profit margin vs 22.3%. NWFL appears more attractively valued with a PEG of 2.36. 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

NWFL

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 6.3Quality: 5.5
Piotroski: 5/9Altman Z: -0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.7/10
Market CapQuality
$1.09T10/10

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

NWFL6 strengths · Avg: 9.7/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
44.9%10/10

Strong operational efficiency at 44.9%

Revenue GrowthGrowth
34.7%10/10

Revenue surging 34.7% year-over-year

Profit MarginProfitability
28.9%9/10

Keeps 29 of every $100 in revenue as profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

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

NWFL3 concerns · Avg: 3.0/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Market CapQuality
$378.41M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.642/10

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 : NWFL

The strongest argument for NWFL centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.9% and operating margin at 44.9%. Revenue growth of 34.7% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : NWFL

The primary concerns for NWFL are PEG Ratio, Market Cap, Altman Z-Score.

Key Dynamics to Monitor

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

BRK-B carries more volatility with a beta of 0.60 — expect wider price swings.

NWFL is growing revenue faster at 34.7% — 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 73/100), backed by strong 22.3% margins. Both earn "Strong Buy" and "Strong 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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Norwood Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Norwood Financial Corp. The company is headquartered in Honesdale, Pennsylvania.

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