WallStSmart

Berkshire Hathaway Inc (BRK-B)vsTompkins Financial Corporation (TMP)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 85673% more annual revenue ($384.69B vs $448.50M). TMP leads profitability with a 40.2% profit margin vs 22.3%. TMP appears more attractively valued with a PEG of 1.61. TMP 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: 8.5
Piotroski: 4/9Altman Z: 2.59

TMP

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 6.3Quality: 4.0
Piotroski: 5/9Altman Z: -0.54

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.7/10
Market CapQuality
$1.14T10/10

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

TMP5 strengths · Avg: 9.2/10
P/E RatioValuation
8.1x10/10

Attractively priced relative to earnings

Profit MarginProfitability
40.2%10/10

Keeps 40 of every $100 in revenue as profit

Operating MarginProfitability
43.5%10/10

Strong operational efficiency at 43.5%

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
21.2%8/10

Earnings expanding 21.2% YoY

Areas to Watch

BRK-B1 concerns · Avg: 2.0/10
PEG RatioValuation
10.062/10

Expensive relative to growth rate

TMP4 concerns · Avg: 3.3/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Revenue GrowthGrowth
2.2%4/10

2.2% revenue growth

Market CapQuality
$1.47B3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-17.44M2/10

Negative free cash flow — burning cash

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 : TMP

The strongest argument for TMP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 40.2% and operating margin at 43.5%.

Bear Case : BRK-B

The primary concerns for BRK-B are PEG Ratio.

Bear Case : TMP

The primary concerns for TMP are PEG Ratio, Revenue Growth, Market Cap.

Key Dynamics to Monitor

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

TMP carries more volatility with a beta of 0.74 — expect wider price swings.

BRK-B is growing revenue faster at 10.0% — 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 74/100), 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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Tompkins Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.

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