WallStSmart

Berkshire Hathaway Inc (BRK-B)vsCB Financial Services Inc (CBFV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 811253% more annual revenue ($384.69B vs $47.41M). BRK-B leads profitability with a 22.3% profit margin vs 15.2%. CBFV appears more attractively valued with a PEG of 1.12. BRK-B earns a higher WallStSmart Score of 74/100 (B).

BRK-B

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 2.59

CBFV

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.7Quality: 4.0
Piotroski: 2/9Altman Z: -0.82

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.7/10
Market CapQuality
$1.09T10/10

Mega-cap, among the largest globally

Price/BookValuation
0.0x10/10

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

CBFV3 strengths · Avg: 9.3/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
34.1%10/10

Strong operational efficiency at 34.1%

Revenue GrowthGrowth
15.0%8/10

15.0% revenue growth

Areas to Watch

BRK-B2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
10.062/10

Expensive relative to growth rate

CBFV4 concerns · Avg: 3.3/10
P/E RatioValuation
27.2x4/10

Moderate valuation

Market CapQuality
$189.34M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.3%3/10

ROE of 4.3% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

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 22.3% and operating margin at 32.6%.

Bull Case : CBFV

The strongest argument for CBFV centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 15.2% and operating margin at 34.1%. Revenue growth of 15.0% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : CBFV

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

Key Dynamics to Monitor

BRK-B carries more volatility with a beta of 0.60 — expect wider price swings.

CBFV is growing revenue faster at 15.0% — sustainability is the question.

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

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BRK-B scores higher overall (74/100 vs 61/100), 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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CB Financial Services Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

CB Financial Services, Inc. is the banking holding company for Community Bank offering various banking products and services to individuals and businesses in southwestern Pennsylvania, West Virginia and Ohio. The company is headquartered in Carmichaels, Pennsylvania.

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