WallStSmart

Berkshire Hathaway Inc (BRK-A)vsUS Century Bank (USCB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 411643% more annual revenue ($375.39B vs $91.17M). USCB leads profitability with a 30.5% profit margin vs 19.3%. USCB trades at a lower P/E of 13.3x. USCB earns a higher WallStSmart Score of 68/100 (B-).

BRK-A

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.59

USCB

Strong Buy

68

out of 100

Grade: B-

Growth: 8.7Profit: 7.5Value: 6.0Quality: 4.5
Piotroski: 3/9Altman Z: -0.93

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-A6 strengths · Avg: 9.2/10
Market CapQuality
$1.07T10/10

Mega-cap, among the largest globally

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

USCB5 strengths · Avg: 8.8/10
Profit MarginProfitability
30.5%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
47.9%10/10

Strong operational efficiency at 47.9%

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
34.2%8/10

Earnings expanding 34.2% YoY

Areas to Watch

BRK-A2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

PEG RatioValuation
9.682/10

Expensive relative to growth rate

USCB3 concerns · Avg: 2.7/10
Market CapQuality
$356.15M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.932/10

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, EPS Growth. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bull Case : USCB

The strongest argument for USCB centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 30.5% and operating margin at 47.9%. Revenue growth of 14.7% demonstrates continued momentum.

Bear Case : BRK-A

The primary concerns for BRK-A are Revenue Growth, PEG Ratio.

Bear Case : USCB

The primary concerns for USCB are Market Cap, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

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

BRK-A carries more volatility with a beta of 0.62 — expect wider price swings.

USCB is growing revenue faster at 14.7% — sustainability is the question.

BRK-A generates stronger free cash flow (5.5B), providing more financial flexibility.

Bottom Line

USCB scores higher overall (68/100 vs 61/100), backed by strong 30.5% margins and 14.7% revenue growth. 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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US Century Bank

FINANCIAL SERVICES · BANKS - REGIONAL · USA

US Century Bank (USCB), based in Miami, Florida, is a prominent financial institution dedicated to delivering a wide array of banking services to individuals and businesses. Renowned for its focus on exceptional customer service and deep community engagement, USCB provides an extensive suite of products, including personal and commercial loans, deposit accounts, and treasury management solutions. Positioned strategically in the vibrant South Florida market, the bank capitalizes on local insights to foster economic growth and support small to medium-sized enterprises. Committed to enhancing regional prosperity, US Century Bank plays a crucial role in driving financial development and supporting the communities it serves.

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