WallStSmart

Berkshire Hathaway Inc (BRK-B)vsBV Financial, Inc. Common Stock (BVFL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 876497% more annual revenue ($375.39B vs $42.82M). BVFL leads profitability with a 29.2% profit margin vs 19.3%. BRK-B trades at a lower P/E of 14.6x. BRK-B earns a higher WallStSmart Score of 62/100 (C+).

BRK-B

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

BVFL

Hold

49

out of 100

Grade: D+

Growth: 5.3Profit: 6.5Value: 6.0Quality: 5.0
Piotroski: 5/9Altman Z: -0.32

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.06T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

EPS GrowthGrowth
119.6%10/10

Earnings expanding 119.6% YoY

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.6x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

BVFL5 strengths · Avg: 8.8/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
29.2%9/10

Keeps 29 of every $100 in revenue as profit

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Operating MarginProfitability
22.6%8/10

Strong operational efficiency at 22.6%

Areas to Watch

BRK-B3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

BVFL4 concerns · Avg: 2.5/10
Market CapQuality
$179.07M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.5%3/10

ROE of 6.5% — below average capital efficiency

EPS GrowthGrowth
-38.1%2/10

Earnings declined 38.1%

Altman Z-ScoreHealth
-0.322/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-B

The strongest argument for BRK-B centers on Market Cap, Price/Book, EPS Growth. Profitability is solid with margins at 19.3% and operating margin at 14.3%.

Bull Case : BVFL

The strongest argument for BVFL centers on Price/Book, Profit Margin, Debt/Equity. Profitability is solid with margins at 29.2% and operating margin at 22.6%.

Bear Case : BRK-B

The primary concerns for BRK-B are Revenue Growth, Piotroski F-Score, PEG Ratio.

Bear Case : BVFL

The primary concerns for BVFL are Market Cap, Return on Equity, EPS Growth.

Key Dynamics to Monitor

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

BRK-B carries more volatility with a beta of 0.61 — expect wider price swings.

BVFL is growing revenue faster at 8.7% — sustainability is the question.

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

Bottom Line

BRK-B scores higher overall (62/100 vs 49/100), backed by strong 19.3% margins. Both earn "Buy" and "Hold" 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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BV Financial, Inc. Common Stock

FINANCIAL SERVICES · BANKS - REGIONAL · USA

BV Financial, Inc. is the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland.

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