WallStSmart

Berkshire Hathaway Inc (BRK-A)vsNicolet Bankshares Inc. (NIC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 75296% more annual revenue ($384.69B vs $510.22M). NIC leads profitability with a 30.2% profit margin vs 22.3%. NIC appears more attractively valued with a PEG of 1.92. BRK-A earns a higher WallStSmart Score of 74/100 (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

NIC

Strong Buy

71

out of 100

Grade: B

Growth: 8.0Profit: 7.0Value: 5.0Quality: 6.8
Piotroski: 7/9Altman Z: 1.30

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.7/10
Market CapQuality
$1.09T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

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

NIC5 strengths · Avg: 9.6/10
Profit MarginProfitability
30.2%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
52.9%10/10

Strong operational efficiency at 52.9%

Revenue GrowthGrowth
86.1%10/10

Revenue surging 86.1% year-over-year

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

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

Expensive relative to growth rate

NIC3 concerns · Avg: 3.0/10
PEG RatioValuation
1.924/10

Expensive relative to growth rate

Return on EquityProfitability
5.9%3/10

ROE of 5.9% — below average capital efficiency

Altman Z-ScoreHealth
1.302/10

Distress zone — elevated risk

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 22.3% and operating margin at 32.6%.

Bull Case : NIC

The strongest argument for NIC centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 30.2% and operating margin at 52.9%. Revenue growth of 86.1% demonstrates continued momentum.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : NIC

The primary concerns for NIC are PEG Ratio, Return on Equity, Altman Z-Score.

Key Dynamics to Monitor

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

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

NIC is growing revenue faster at 86.1% — sustainability is the question.

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

Bottom Line

BRK-A scores higher overall (74/100 vs 71/100), backed by strong 22.3% margins. 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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Nicolet Bankshares Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Nicolet Bankshares, Inc. is the bank holding company of Nicolet National Bank that offers banking products and services for businesses and individuals. The company is headquartered in Green Bay, Wisconsin.

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