WallStSmart

Berkshire Hathaway Inc (BRK-A)vsC&F Financial Corporation (CFFI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 280517% more annual revenue ($371.44B vs $132.37M). CFFI leads profitability with a 21.3% profit margin vs 18.0%. CFFI trades at a lower P/E of 8.7x. CFFI earns a higher WallStSmart Score of 66/100 (B-).

BRK-A

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.46

CFFI

Strong Buy

66

out of 100

Grade: B-

Growth: 7.3Profit: 7.0Value: 6.7Quality: 6.0
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

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
15.3x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$4.99B8/10

Generating 5.0B in free cash flow

CFFI5 strengths · Avg: 9.0/10
P/E RatioValuation
8.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
21.3%9/10

Keeps 21 of every $100 in revenue as profit

Operating MarginProfitability
25.6%8/10

Strong operational efficiency at 25.6%

EPS GrowthGrowth
25.2%8/10

Earnings expanding 25.2% YoY

Areas to Watch

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%

CFFI1 concerns · Avg: 3.0/10
Market CapQuality
$245.30M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

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%.

Bull Case : CFFI

The strongest argument for CFFI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 21.3% and operating margin at 25.6%. Revenue growth of 10.4% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : CFFI

The primary concerns for CFFI are Market Cap.

Key Dynamics to Monitor

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

BRK-A carries more volatility with a beta of 0.70 — expect wider price swings.

CFFI is growing revenue faster at 10.4% — sustainability is the question.

BRK-A generates stronger free cash flow (5.0B), providing more financial flexibility.

Bottom Line

CFFI scores higher overall (66/100 vs 51/100), backed by strong 21.3% margins and 10.4% 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.

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%).

Visit Website →

C&F Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

C&F Financial Corporation is the banking holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company is headquartered in Toano, Virginia.

Visit Website →

Want to dig deeper into these stocks?