WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 867273% more annual revenue ($371.44B vs $42.82M). BVFL leads profitability with a 29.2% profit margin vs 18.0%. BVFL trades at a lower P/E of 14.2x. BRK-B earns a higher WallStSmart Score of 54/100 (C-).

BRK-B

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.60

BVFL

Hold

49

out of 100

Grade: D+

Growth: 5.3Profit: 6.5Value: 6.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.03T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.0%10/10

Strong operational efficiency at 33.0%

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$4.99B8/10

Generating 5.0B in free cash flow

BVFL3 strengths · Avg: 8.3/10
Profit MarginProfitability
29.2%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Operating MarginProfitability
22.6%8/10

Strong operational efficiency at 22.6%

Areas to Watch

BRK-B4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

Revenue GrowthGrowth
-0.7%2/10

Revenue declined 0.7%

EPS GrowthGrowth
-2.5%2/10

Earnings declined 2.5%

BVFL4 concerns · Avg: 2.5/10
Market CapQuality
$177.47M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.5%3/10

ROE of 6.5% — below average capital efficiency

Price/BookValuation
979.0x2/10

Trading at 979.0x book value

EPS GrowthGrowth
-99.9%2/10

Earnings declined 99.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : BRK-B

The strongest argument for BRK-B centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 18.0% and operating margin at 33.0%.

Bull Case : BVFL

The strongest argument for BVFL centers on Profit Margin, P/E Ratio, Operating Margin. 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 Piotroski F-Score, PEG Ratio, Revenue Growth.

Bear Case : BVFL

The primary concerns for BVFL are Market Cap, Return on Equity, Price/Book.

Key Dynamics to Monitor

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

BRK-B carries more volatility with a beta of 0.70 — expect wider price swings.

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

BRK-B generates stronger free cash flow (5.0B), providing more financial flexibility.

Bottom Line

BRK-B scores higher overall (54/100 vs 49/100), backed by strong 18.0% 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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