WallStSmart

Berkshire Hathaway Inc (BRK-A)vsSB Financial Group Inc (SBFG)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 569056% more annual revenue ($384.69B vs $67.59M). SBFG leads profitability with a 24.8% profit margin vs 22.3%. SBFG trades at a lower P/E of 11.2x. 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

SBFG

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 7.0Value: 6.7Quality: 6.5
Piotroski: 4/9Altman Z: -0.64

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

SBFG5 strengths · Avg: 9.4/10
P/E RatioValuation
11.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
31.4%10/10

Strong operational efficiency at 31.4%

Profit MarginProfitability
24.8%9/10

Keeps 25 of every $100 in revenue as profit

EPS GrowthGrowth
20.5%8/10

Earnings expanding 20.5% YoY

Areas to Watch

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

Expensive relative to growth rate

SBFG2 concerns · Avg: 2.5/10
Market CapQuality
$187.50M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.642/10

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 : SBFG

The strongest argument for SBFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.8% and operating margin at 31.4%.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : SBFG

The primary concerns for SBFG are Market Cap, 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 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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SB Financial Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.

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