WallStSmart

Berkshire Hathaway Inc (BRK-A)vsFive Star Bancorp (FSBC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 249627% more annual revenue ($371.44B vs $148.74M). FSBC leads profitability with a 41.4% profit margin vs 18.0%. FSBC trades at a lower P/E of 14.0x. FSBC earns a higher WallStSmart Score of 68/100 (B-).

BRK-A

Buy

53

out of 100

Grade: C-

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

FSBC

Strong Buy

68

out of 100

Grade: B-

Growth: 9.3Profit: 7.5Value: 6.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.01T10/10

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
15.1x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$4.99B8/10

Generating 5.0B in free cash flow

FSBC6 strengths · Avg: 8.7/10
Profit MarginProfitability
41.4%10/10

Keeps 41 of every $100 in revenue as profit

Operating MarginProfitability
57.9%10/10

Strong operational efficiency at 57.9%

P/E RatioValuation
14.0x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
20.1%8/10

Revenue surging 20.1% year-over-year

EPS GrowthGrowth
32.6%8/10

Earnings expanding 32.6% 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%

FSBC1 concerns · Avg: 3.0/10
Market CapQuality
$865.73M3/10

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 : FSBC

The strongest argument for FSBC centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 41.4% and operating margin at 57.9%. Revenue growth of 20.1% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : FSBC

The primary concerns for FSBC are Market Cap.

Key Dynamics to Monitor

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

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

FSBC is growing revenue faster at 20.1% — sustainability is the question.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FSBC scores higher overall (68/100 vs 53/100), backed by strong 41.4% margins and 20.1% 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%).

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Five Star Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Five Star Bancorp is the banking holding company for Five Star Bank offering a range of banking products and services to small and medium-sized businesses, professionals and individuals. The company is headquartered in Rancho Cordova, California.

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