WallStSmart

Banc of California, Inc. (BANC)vsBerkshire Hathaway Inc (BRK-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 55633% more annual revenue ($384.69B vs $690.23M). BRK-B leads profitability with a 22.3% profit margin vs -3.2%. BANC appears more attractively valued with a PEG of 1.13. BRK-B earns a higher WallStSmart Score of 74/100 (B).

BANC

Buy

60

out of 100

Grade: C

Growth: 6.7Profit: 4.5Value: 5.3Quality: 4.0
Piotroski: 5/9Altman Z: -0.58

BRK-B

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BANC3 strengths · Avg: 9.3/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
216.3%10/10

Strong operational efficiency at 216.3%

EPS GrowthGrowth
49.7%8/10

Earnings expanding 49.7% YoY

BRK-B6 strengths · Avg: 9.7/10
Market CapQuality
$1.09T10/10

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

Areas to Watch

BANC3 concerns · Avg: 2.0/10
Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Altman Z-ScoreHealth
-0.582/10

Distress zone — elevated risk

Profit MarginProfitability
-3.2%1/10

Currently unprofitable

BRK-B2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : BANC

The strongest argument for BANC centers on Price/Book, Operating Margin, EPS Growth. PEG of 1.13 suggests the stock is reasonably priced for its growth.

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%.

Bear Case : BANC

The primary concerns for BANC are Return on Equity, Altman Z-Score, Profit Margin.

Bear Case : BRK-B

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

Key Dynamics to Monitor

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

BANC carries more volatility with a beta of 1.13 — 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 60/100), backed by strong 22.3% margins. 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.

Banc of California, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Banc of California, Inc. is the banking holding company for Banc of California, the National Association that provides banking products and services in the United States. The company is headquartered in Santa Ana, California.

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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