WallStSmart

Berkshire Hathaway Inc (BRK-A)vsHbt Financial Inc (HBT)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 153767% more annual revenue ($375.39B vs $243.97M). HBT leads profitability with a 28.3% profit margin vs 19.3%. HBT trades at a lower P/E of 14.7x. BRK-A earns a higher WallStSmart Score of 61/100 (C+).

BRK-A

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.59

HBT

Buy

53

out of 100

Grade: C-

Growth: 6.0Profit: 7.5Value: 6.0Quality: 7.5
Piotroski: 7/9Altman Z: -0.20

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 8.8/10
Market CapQuality
$1.07T10/10

Mega-cap, among the largest globally

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

HBT6 strengths · Avg: 8.7/10
Operating MarginProfitability
44.2%10/10

Strong operational efficiency at 44.2%

Profit MarginProfitability
28.3%9/10

Keeps 28 of every $100 in revenue as profit

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
17.5%8/10

17.5% revenue growth

Areas to Watch

BRK-A2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

PEG RatioValuation
9.682/10

Expensive relative to growth rate

HBT3 concerns · Avg: 2.3/10
Market CapQuality
$1.16B3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-43.7%2/10

Earnings declined 43.7%

Altman Z-ScoreHealth
-0.202/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, EPS Growth, Debt/Equity. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bull Case : HBT

The strongest argument for HBT centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 28.3% and operating margin at 44.2%. Revenue growth of 17.5% demonstrates continued momentum.

Bear Case : BRK-A

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

Bear Case : HBT

The primary concerns for HBT are Market Cap, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

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

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

HBT is growing revenue faster at 17.5% — sustainability is the question.

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

Bottom Line

BRK-A scores higher overall (61/100 vs 53/100), backed by strong 19.3% margins. Both earn "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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Hbt Financial Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

HBT Financial, Inc. is the banking holding company for Heartland Bank and Trust Company and State Bank of Lincoln offering commercial, commercial and retail banking products and services to individuals, businesses and municipal entities. The company is headquartered in Bloomington, Illinois.

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