WallStSmart

Berkshire Hathaway Inc (BRK-A)vsTrustCo Bank Corp NY (TRST)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 197404% more annual revenue ($384.69B vs $194.77M). TRST leads profitability with a 33.4% profit margin vs 22.3%. TRST appears more attractively valued with a PEG of 0.63. 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

TRST

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 7.0Quality: 5.0
Piotroski: 5/9Altman Z: -0.74

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

TRST6 strengths · Avg: 8.8/10
Profit MarginProfitability
33.4%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.7%10/10

Strong operational efficiency at 46.7%

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.638/10

Growing faster than its price suggests

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

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

TRST2 concerns · Avg: 2.5/10
Market CapQuality
$980.80M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.742/10

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 : TRST

The strongest argument for TRST centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 33.4% and operating margin at 46.7%. Revenue growth of 10.7% demonstrates continued momentum.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : TRST

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

Key Dynamics to Monitor

TRST carries more volatility with a beta of 0.65 — expect wider price swings.

TRST is growing revenue faster at 10.7% — 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 73/100), 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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TrustCo Bank Corp NY

FINANCIAL SERVICES · BANKS - REGIONAL · USA

TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York.

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