WallStSmart

Arrow Financial Corporation (AROW)vsBerkshire Hathaway Inc (BRK-A)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 222878% more annual revenue ($375.39B vs $168.35M). AROW leads profitability with a 30.4% profit margin vs 19.3%. AROW appears more attractively valued with a PEG of 2.84. AROW earns a higher WallStSmart Score of 74/100 (B).

AROW

Strong Buy

74

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 5.7Quality: 7.0
Piotroski: 6/9

BRK-A

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AROW6 strengths · Avg: 10.0/10
P/E RatioValuation
11.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.4%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
40.6%10/10

Strong operational efficiency at 40.6%

EPS GrowthGrowth
116.7%10/10

Earnings expanding 116.7% YoY

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.02T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.0x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

Areas to Watch

AROW2 concerns · Avg: 2.5/10
Market CapQuality
$591.41M3/10

Smaller company, higher risk/reward

PEG RatioValuation
2.842/10

Expensive relative to growth rate

BRK-A2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

PEG RatioValuation
9.682/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : AROW

The strongest argument for AROW centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.4% and operating margin at 40.6%. Revenue growth of 29.4% demonstrates continued momentum.

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, Price/Book, EPS Growth. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bear Case : AROW

The primary concerns for AROW are Market Cap, PEG Ratio.

Bear Case : BRK-A

The primary concerns for BRK-A are Revenue Growth, PEG Ratio.

Key Dynamics to Monitor

AROW profiles as a growth stock while BRK-A is a value play — different risk/reward profiles.

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

AROW is growing revenue faster at 29.4% — sustainability is the question.

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

Bottom Line

AROW scores higher overall (74/100 vs 61/100), backed by strong 30.4% margins and 29.4% 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.

Arrow Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Arrow Financial Corporation, a banking holding company, offers consumer and commercial banking and financial products and services. The company is headquartered in Glens Falls, New York.

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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