WallStSmart

Berkshire Hathaway Inc (BRK-A)vsMidland States Bancorp, Inc. (MSBI)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 125107% more annual revenue ($384.69B vs $307.24M). BRK-A leads profitability with a 22.3% profit margin vs 19.0%. MSBI appears more attractively valued with a PEG of 1.41. MSBI earns a higher WallStSmart Score of 80/100 (B+).

BRK-A

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.59

MSBI

Strong Buy

80

out of 100

Grade: B+

Growth: 8.0Profit: 7.0Value: 6.3Quality: 3.5
Piotroski: 4/9Altman Z: -0.65

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.3/10
Market CapQuality
$1.14T10/10

Mega-cap, among the largest globally

Operating MarginProfitability
32.6%10/10

Strong operational efficiency at 32.6%

EPS GrowthGrowth
107.8%10/10

Earnings expanding 107.8% YoY

Profit MarginProfitability
22.3%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.4x8/10

Attractively priced relative to earnings

MSBI5 strengths · Avg: 9.6/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.5%10/10

Strong operational efficiency at 37.5%

Revenue GrowthGrowth
34.5%10/10

Revenue surging 34.5% year-over-year

EPS GrowthGrowth
299.1%10/10

Earnings expanding 299.1% YoY

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Areas to Watch

BRK-A1 concerns · Avg: 2.0/10
PEG RatioValuation
9.682/10

Expensive relative to growth rate

MSBI3 concerns · Avg: 2.7/10
Market CapQuality
$684.40M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.103/10

Elevated debt levels

Altman Z-ScoreHealth
-0.652/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-A

The strongest argument for BRK-A centers on Market Cap, Operating Margin, EPS Growth. Profitability is solid with margins at 22.3% and operating margin at 32.6%.

Bull Case : MSBI

The strongest argument for MSBI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 19.0% and operating margin at 37.5%. Revenue growth of 34.5% demonstrates continued momentum.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : MSBI

The primary concerns for MSBI are Market Cap, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

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

MSBI carries more volatility with a beta of 0.64 — expect wider price swings.

MSBI is growing revenue faster at 34.5% — sustainability is the question.

BRK-A generates stronger free cash flow (5.6B), providing more financial flexibility.

Bottom Line

MSBI scores higher overall (80/100 vs 74/100), backed by strong 19.0% margins and 34.5% revenue growth. Both earn "Strong Buy" and "Strong 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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Midland States Bancorp, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.

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