WallStSmart

Bank of Montreal (BMO)vsBerkshire Hathaway Inc (BRK-A)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 1009% more annual revenue ($371.44B vs $33.48B). BMO leads profitability with a 27.1% profit margin vs 18.0%. BMO appears more attractively valued with a PEG of 1.46. BMO earns a higher WallStSmart Score of 75/100 (B+).

BMO

Strong Buy

75

out of 100

Grade: B+

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0

BRK-A

Buy

53

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 4.7Quality: 8.0
Piotroski: 3/9Altman Z: 2.46
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BMOUndervalued (+57.3%)

Margin of Safety

+57.3%

Fair Value

$336.32

Current Price

$136.39

$199.93 discount

UndervaluedFair: $336.32Overvalued
BRK-ASignificantly Overvalued (-134.1%)

Margin of Safety

-134.1%

Fair Value

$316589.98

Current Price

$718250.00

$401660.02 premium

UndervaluedFair: $316589.98Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BMO6 strengths · Avg: 8.7/10
Operating MarginProfitability
39.9%10/10

Strong operational efficiency at 39.9%

Market CapQuality
$94.86B9/10

Large-cap with strong market position

Profit MarginProfitability
27.1%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$6.95B8/10

Generating 7.0B in free cash flow

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.04T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.0%10/10

Strong operational efficiency at 33.0%

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.5x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$4.99B8/10

Generating 5.0B in free cash flow

Areas to Watch

BMO0 concerns · Avg: 0/10

No major concerns identified

BRK-A4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
9.682/10

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%

Comparative Analysis Report

WallStSmart Research

Bull Case : BMO

The strongest argument for BMO centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.1% and operating margin at 39.9%. PEG of 1.46 suggests the stock is reasonably priced for its 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 18.0% and operating margin at 33.0%.

Bear Case : BMO

No major red flags identified for BMO, but monitor valuation.

Bear Case : BRK-A

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

Key Dynamics to Monitor

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

BMO carries more volatility with a beta of 1.16 — expect wider price swings.

BMO is growing revenue faster at 10.0% — sustainability is the question.

BMO generates stronger free cash flow (7.0B), providing more financial flexibility.

Bottom Line

BMO scores higher overall (75/100 vs 53/100), backed by strong 27.1% 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.

Bank of Montreal

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Bank of Montreal offers diversified financial services primarily in North America. The company is headquartered in Montreal, Canada.

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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