WallStSmart

Berkshire Hathaway Inc (BRK-A)vsPeoples Bancorp of North Carolina (PEBK)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 419882% more annual revenue ($384.69B vs $91.60M). PEBK leads profitability with a 24.0% profit margin vs 22.3%. PEBK trades at a lower P/E of 10.8x. 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

PEBK

Buy

63

out of 100

Grade: C+

Growth: 8.0Profit: 7.0Value: 6.7Quality: 4.5
Piotroski: 5/9Altman Z: -0.58

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

PEBK5 strengths · Avg: 9.8/10
P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.7%10/10

Strong operational efficiency at 32.7%

EPS GrowthGrowth
56.7%10/10

Earnings expanding 56.7% YoY

Profit MarginProfitability
24.0%9/10

Keeps 24 of every $100 in revenue as profit

Areas to Watch

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

Expensive relative to growth rate

PEBK2 concerns · Avg: 2.5/10
Market CapQuality
$231.37M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.582/10

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 : PEBK

The strongest argument for PEBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.0% and operating margin at 32.7%.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : PEBK

The primary concerns for PEBK are Market Cap, Altman Z-Score.

Key Dynamics to Monitor

BRK-A carries more volatility with a beta of 0.59 — 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 63/100), backed by strong 22.3% margins. 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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Peoples Bancorp of North Carolina

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Peoples Bancorp of North Carolina, Inc. is a banking holding company for Peoples Bank that provides a variety of consumer and commercial banking products and services to individuals and small and medium-sized businesses. The company is headquartered in Newton, North Carolina.

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