WallStSmart

Berkshire Hathaway Inc (BRK-B)vsPinnacle Financial Partners, Inc. (PNFP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 13951% more annual revenue ($371.44B vs $2.64B). PNFP leads profitability with a 24.7% profit margin vs 18.0%. PNFP appears more attractively valued with a PEG of 1.42. PNFP 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

PNFP

Buy

65

out of 100

Grade: C+

Growth: 7.3Profit: 6.5Value: 6.3Quality: 5.0
Piotroski: 4/9Altman Z: 0.34

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

PNFP5 strengths · Avg: 9.4/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
46.9%10/10

Strong operational efficiency at 46.9%

Revenue GrowthGrowth
155.9%10/10

Revenue surging 155.9% year-over-year

Profit MarginProfitability
24.7%9/10

Keeps 25 of every $100 in revenue as profit

P/E RatioValuation
12.5x8/10

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%

PNFP3 concerns · Avg: 2.3/10
Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

EPS GrowthGrowth
-49.7%2/10

Earnings declined 49.7%

Altman Z-ScoreHealth
0.342/10

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 18.0% and operating margin at 33.0%.

Bull Case : PNFP

The strongest argument for PNFP centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.7% and operating margin at 46.9%. Revenue growth of 155.9% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : PNFP

The primary concerns for PNFP are Return on Equity, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

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

PNFP carries more volatility with a beta of 1.00 — expect wider price swings.

PNFP is growing revenue faster at 155.9% — sustainability is the question.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PNFP scores higher overall (65/100 vs 54/100), backed by strong 24.7% margins and 155.9% 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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Pinnacle Financial Partners, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Pinnacle Financial Partners, Inc., is the banking holding company for Pinnacle Bank offering various banking products and services in the United States. The company is headquartered in Nashville, Tennessee.

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