WallStSmart

Berkshire Hathaway Inc (BRK-B)vsOFG Bancorp (OFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 58439% more annual revenue ($371.44B vs $634.53M). OFG leads profitability with a 33.6% profit margin vs 18.0%. OFG appears more attractively valued with a PEG of 0.92. OFG earns a higher WallStSmart Score of 78/100 (B+).

BRK-B

Buy

54

out of 100

Grade: C-

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

OFG

Strong Buy

78

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.7Quality: 4.0
Piotroski: 2/9Altman Z: -0.59

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

OFG6 strengths · Avg: 9.3/10
P/E RatioValuation
9.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.6%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
42.0%10/10

Strong operational efficiency at 42.0%

PEG RatioValuation
0.928/10

Growing faster than its price suggests

EPS GrowthGrowth
26.0%8/10

Earnings expanding 26.0% YoY

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%

OFG3 concerns · Avg: 2.7/10
Market CapQuality
$1.94B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.592/10

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, Operating Margin. Profitability is solid with margins at 18.0% and operating margin at 33.0%.

Bull Case : OFG

The strongest argument for OFG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.6% and operating margin at 42.0%. PEG of 0.92 suggests the stock is reasonably priced for its growth.

Bear Case : BRK-B

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

Bear Case : OFG

The primary concerns for OFG are Market Cap, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

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

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

OFG is growing revenue faster at 6.9% — sustainability is the question.

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

Bottom Line

OFG scores higher overall (78/100 vs 54/100), backed by strong 33.6% 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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OFG Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

OFG Bancorp, a financial holding company, offers a range of banking and financial services. The company is headquartered in San Juan, Puerto Rico.

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