WallStSmart

Bayfirst Financial Corp (BAFN)vsBerkshire Hathaway Inc (BRK-A)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates -4076038% more annual revenue ($384.69B vs $-9.44M). BRK-A leads profitability with a 22.3% profit margin vs 0.0%. BRK-A earns a higher WallStSmart Score of 74/100 (B).

BAFN

Avoid

33

out of 100

Grade: F

Growth: 6.7Profit: 4.5Value: 5.0Quality: 5.0
Piotroski: 4/9Altman Z: -0.83

BRK-A

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAFN4 strengths · Avg: 9.8/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
164.7%10/10

Strong operational efficiency at 164.7%

EPS GrowthGrowth
609.0%10/10

Earnings expanding 609.0% YoY

Debt/EquityHealth
0.169/10

Conservative balance sheet, low leverage

BRK-A6 strengths · Avg: 9.7/10
Market CapQuality
$1.09T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

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

Areas to Watch

BAFN4 concerns · Avg: 2.5/10
Market CapQuality
$235.93M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Return on EquityProfitability
-32.3%2/10

ROE of -32.3% — below average capital efficiency

Revenue GrowthGrowth
-52.7%2/10

Revenue declined 52.7%

BRK-A1 concerns · Avg: 2.0/10
PEG RatioValuation
9.682/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : BAFN

The strongest argument for BAFN centers on Price/Book, Operating Margin, EPS Growth.

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.6%.

Bear Case : BAFN

The primary concerns for BAFN are Market Cap, Profit Margin, Return on Equity.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Key Dynamics to Monitor

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

BRK-A carries more volatility with a beta of 0.60 — expect wider price swings.

BRK-A is growing revenue faster at 10.0% — sustainability is the question.

BRK-A generates stronger free cash flow (5.6B), providing more financial flexibility.

Bottom Line

BRK-A scores higher overall (74/100 vs 33/100), backed by strong 22.3% margins. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Bayfirst Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

BayFirst Financial Corp. The company is headquartered in Saint Petersburg, Florida.

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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