WallStSmart

Berkshire Hathaway Inc (BRK-A)vsBank of N.T. Butterfield & Son Ltd (NTB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 61434% more annual revenue ($384.69B vs $625.16M). NTB leads profitability with a 37.5% profit margin vs 22.3%. NTB appears more attractively valued with a PEG of 1.96. 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

NTB

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 6.3Quality: 7.5
Piotroski: 6/9Altman Z: 0.44

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

NTB6 strengths · Avg: 9.5/10
P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Profit MarginProfitability
37.5%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
32.1%10/10

Strong operational efficiency at 32.1%

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

Return on EquityProfitability
22.0%9/10

Every $100 of equity generates 22 in profit

Price/BookValuation
2.1x8/10

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

NTB3 concerns · Avg: 2.7/10
PEG RatioValuation
1.964/10

Expensive relative to growth rate

EPS GrowthGrowth
-7.2%2/10

Earnings declined 7.2%

Altman Z-ScoreHealth
0.442/10

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 : NTB

The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 37.5% and operating margin at 32.1%.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : NTB

The primary concerns for NTB are PEG Ratio, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

BRK-A carries more volatility with a beta of 0.60 — expect wider price swings.

BRK-A is growing revenue faster at 10.0% — sustainability is the question.

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

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

Bottom Line

BRK-A scores higher overall (74/100 vs 67/100), 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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Bank of N.T. Butterfield & Son Ltd

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.

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