WallStSmart

Berkshire Hathaway Inc (BRK-B)vsUnited Community Banks, Inc. (UCB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 35729% more annual revenue ($375.39B vs $1.05B). UCB leads profitability with a 32.5% profit margin vs 19.3%. UCB appears more attractively valued with a PEG of 1.67. UCB 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

UCB

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.7Quality: 5.0
Piotroski: 5/9Altman Z: -0.61

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
0.199/10

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

UCB5 strengths · Avg: 9.6/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.5%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
43.1%10/10

Strong operational efficiency at 43.1%

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

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

UCB2 concerns · Avg: 3.0/10
PEG RatioValuation
1.674/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.612/10

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 : UCB

The strongest argument for UCB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.5% and operating margin at 43.1%. Revenue growth of 14.4% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : UCB

The primary concerns for UCB are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

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

UCB carries more volatility with a beta of 0.85 — expect wider price swings.

UCB is growing revenue faster at 14.4% — sustainability is the question.

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

Bottom Line

UCB scores higher overall (71/100 vs 62/100), backed by strong 32.5% margins and 14.4% revenue growth. 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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United Community Banks, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

United Community Banks, Inc. (UCB) is a leading regional banking institution headquartered in Blairsville, Georgia, providing comprehensive financial services to individuals and businesses across the Southeastern United States. The bank specializes in commercial and retail banking, mortgage services, and wealth management, with a strong emphasis on community engagement and strategic growth through acquisitions. UCB is recognized for its solid financial performance, effective risk management, and commitment to exceptional customer service, positioning it as a trusted partner in the competitive financial landscape.

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