WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 226296% more annual revenue ($384.69B vs $169.92M). COFS leads profitability with a 32.2% profit margin vs 22.3%. COFS trades at a lower P/E of 8.6x. 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

COFS

Buy

51

out of 100

Grade: C-

Growth: 4.7Profit: 7.5Value: 6.7Quality: 3.0
Piotroski: 1/9Altman Z: -0.81

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

COFS4 strengths · Avg: 10.0/10
P/E RatioValuation
8.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.2%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
41.7%10/10

Strong operational efficiency at 41.7%

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

COFS4 concerns · Avg: 2.5/10
Market CapQuality
$485.16M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Revenue GrowthGrowth
-2.6%2/10

Revenue declined 2.6%

EPS GrowthGrowth
-7.8%2/10

Earnings declined 7.8%

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 : COFS

The strongest argument for COFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 41.7%.

Bear Case : BRK-B

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

Bear Case : COFS

The primary concerns for COFS are Market Cap, Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

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

COFS carries more volatility with a beta of 0.61 — expect wider price swings.

BRK-B is growing revenue faster at 10.0% — sustainability is the question.

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

Bottom Line

BRK-B scores higher overall (74/100 vs 51/100), 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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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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