WallStSmart

Berkshire Hathaway Inc (BRK-A)vsVersaBank (VBNK)

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 262503% more annual revenue ($384.69B vs $146.49M). VBNK leads profitability with a 23.1% profit margin vs 22.3%. BRK-A trades at a lower P/E of 12.7x. 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

VBNK

Buy

64

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 4.7Quality: 4.5
Piotroski: 2/9Altman Z: -0.72

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
1.4x10/10

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

VBNK6 strengths · Avg: 9.0/10
Operating MarginProfitability
35.5%10/10

Strong operational efficiency at 35.5%

EPS GrowthGrowth
55.0%10/10

Earnings expanding 55.0% YoY

Profit MarginProfitability
23.1%9/10

Keeps 23 of every $100 in revenue as profit

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
28.4%8/10

Revenue surging 28.4% year-over-year

Areas to Watch

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

Expensive relative to growth rate

VBNK4 concerns · Avg: 3.3/10
P/E RatioValuation
30.4x4/10

Premium valuation, high expectations priced in

Market CapQuality
$738.83M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.0%3/10

ROE of 6.0% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

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 : VBNK

The strongest argument for VBNK centers on Operating Margin, EPS Growth, Profit Margin. Profitability is solid with margins at 23.1% and operating margin at 35.5%. Revenue growth of 28.4% demonstrates continued momentum.

Bear Case : BRK-A

The primary concerns for BRK-A are PEG Ratio.

Bear Case : VBNK

The primary concerns for VBNK are P/E Ratio, Market Cap, Return on Equity.

Key Dynamics to Monitor

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

VBNK carries more volatility with a beta of 1.08 — expect wider price swings.

VBNK is growing revenue faster at 28.4% — sustainability is the question.

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

Bottom Line

BRK-A scores higher overall (74/100 vs 64/100), 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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VersaBank

FINANCIAL SERVICES · BANKS - REGIONAL · USA

VersaBank (VBNK) is a pioneering digital bank headquartered in London, Ontario, distinguished for its innovative technology-driven banking solutions. By leveraging a cutting-edge cloud-based infrastructure, VersaBank enhances operational efficiency while ensuring robust cybersecurity measures, crucial in today's increasingly digital financial landscape. Focusing on both commercial and residential lending, the bank is well-positioned to adapt to evolving consumer demands and capitalize on the ongoing digital transformation in the financial sector. As a leader in Canadian digital banking, VersaBank is strategically equipped to navigate complex markets and unlock new growth opportunities.

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