WallStSmart

Bar Harbor Bankshares Inc (BHB)vsBerkshire Hathaway Inc (BRK-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 216896% more annual revenue ($375.39B vs $173.00M). BHB leads profitability with a 23.3% profit margin vs 19.3%. BHB trades at a lower P/E of 13.9x. BHB earns a higher WallStSmart Score of 66/100 (B-).

BHB

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 6.5Value: 6.0Quality: 4.0
Piotroski: 3/9Altman Z: -0.58

BRK-B

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BHB6 strengths · Avg: 8.8/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
42.2%10/10

Strong operational efficiency at 42.2%

Profit MarginProfitability
23.3%9/10

Keeps 23 of every $100 in revenue as profit

P/E RatioValuation
13.9x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
25.7%8/10

Revenue surging 25.7% year-over-year

EPS GrowthGrowth
22.6%8/10

Earnings expanding 22.6% YoY

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
0.209/10

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

Areas to Watch

BHB4 concerns · Avg: 2.8/10
Market CapQuality
$574.09M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.582/10

Distress zone — elevated risk

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

Comparative Analysis Report

WallStSmart Research

Bull Case : BHB

The strongest argument for BHB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 23.3% and operating margin at 42.2%. Revenue growth of 25.7% demonstrates continued momentum.

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%.

Bear Case : BHB

The primary concerns for BHB are Market Cap, Return on Equity, Piotroski F-Score.

Bear Case : BRK-B

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

Key Dynamics to Monitor

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

BRK-B carries more volatility with a beta of 0.62 — expect wider price swings.

BHB is growing revenue faster at 25.7% — sustainability is the question.

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

Bottom Line

BHB scores higher overall (66/100 vs 62/100), backed by strong 23.3% margins and 25.7% 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.

Bar Harbor Bankshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Bar Harbor Bankshares is the holding company of Bar Harbor Bank & Trust providing commercial banking, retail and wealth management services. The company is headquartered in Bar Harbor, Maine.

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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