WallStSmart

Berkshire Hathaway Inc (BRK-B)vsUMB Financial Corporation (UMBF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 14771% more annual revenue ($371.44B vs $2.50B). UMBF leads profitability with a 28.1% profit margin vs 18.0%. UMBF appears more attractively valued with a PEG of 2.54. UMBF earns a higher WallStSmart Score of 75/100 (B+).

BRK-B

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.60

UMBF

Strong Buy

75

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: -0.81

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

UMBF5 strengths · Avg: 9.8/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.0%10/10

Strong operational efficiency at 43.0%

Revenue GrowthGrowth
67.6%10/10

Revenue surging 67.6% year-over-year

Profit MarginProfitability
28.1%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%

UMBF2 concerns · Avg: 2.0/10
PEG RatioValuation
2.542/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.812/10

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 : UMBF

The strongest argument for UMBF centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 43.0%. Revenue growth of 67.6% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : UMBF

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

Key Dynamics to Monitor

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

UMBF carries more volatility with a beta of 0.77 — expect wider price swings.

UMBF is growing revenue faster at 67.6% — sustainability is the question.

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

Bottom Line

UMBF scores higher overall (75/100 vs 54/100), backed by strong 28.1% margins and 67.6% 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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UMB Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.

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