WallStSmart

Berkshire Hathaway Inc (BRK-B)vsChoiceOne Financial Services Inc (COFS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 219420% more annual revenue ($375.39B vs $171.01M). COFS leads profitability with a 32.6% profit margin vs 19.3%. COFS trades at a lower P/E of 7.3x. COFS earns a higher WallStSmart Score of 69/100 (B-).

BRK-B

Buy

62

out of 100

Grade: C+

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

COFS

Strong Buy

69

out of 100

Grade: B-

Growth: 9.3Profit: 7.5Value: 6.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRK-B6 strengths · Avg: 9.2/10
Market CapQuality
$1.02T10/10

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
0.199/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$5.45B8/10

Generating 5.5B in free cash flow

COFS5 strengths · Avg: 10.0/10
P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
44.6%10/10

Strong operational efficiency at 44.6%

Revenue GrowthGrowth
135.0%10/10

Revenue surging 135.0% year-over-year

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

COFS1 concerns · Avg: 3.0/10
Market CapQuality
$457.78M3/10

Smaller company, higher risk/reward

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 : COFS

The strongest argument for COFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.6% and operating margin at 44.6%. Revenue growth of 135.0% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : COFS

The primary concerns for COFS are Market Cap.

Key Dynamics to Monitor

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

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

COFS is growing revenue faster at 135.0% — sustainability is the question.

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

Bottom Line

COFS scores higher overall (69/100 vs 62/100), backed by strong 32.6% margins and 135.0% 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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ChoiceOne Financial Services Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ChoiceOne Financial Services, Inc. is ChoiceOne Bank's banking holding company providing community banking services to corporations, associations and individuals in Michigan. The company is headquartered in Sparta, Michigan.

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