WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 400910% more annual revenue ($371.44B vs $92.63M). NWFL leads profitability with a 27.8% profit margin vs 18.0%. NWFL appears more attractively valued with a PEG of 2.36. NWFL earns a higher WallStSmart Score of 65/100 (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

NWFL

Buy

65

out of 100

Grade: C+

Growth: 6.7Profit: 7.5Value: 6.3Quality: 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

NWFL5 strengths · Avg: 9.8/10
P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
40.6%10/10

Strong operational efficiency at 40.6%

Revenue GrowthGrowth
33.4%10/10

Revenue surging 33.4% year-over-year

Profit MarginProfitability
27.8%9/10

Keeps 28 of every $100 in revenue as profit

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%

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

Expensive relative to growth rate

Market CapQuality
$321.26M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-44.1%2/10

Earnings declined 44.1%

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 : NWFL

The strongest argument for NWFL centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.8% and operating margin at 40.6%. Revenue growth of 33.4% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : NWFL

The primary concerns for NWFL are PEG Ratio, Market Cap, EPS Growth.

Key Dynamics to Monitor

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

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

NWFL is growing revenue faster at 33.4% — sustainability is the question.

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

Bottom Line

NWFL scores higher overall (65/100 vs 54/100), backed by strong 27.8% margins and 33.4% 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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Norwood Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

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

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