WallStSmart

Berkshire Hathaway Inc (BRK-B)vsUnited Community Banks, Inc. (UCB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Berkshire Hathaway Inc generates 34606% more annual revenue ($384.69B vs $1.11B). UCB leads profitability with a 34.1% profit margin vs 22.3%. UCB appears more attractively valued with a PEG of 1.67. UCB earns a higher WallStSmart Score of 79/100 (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

UCB

Strong Buy

79

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 6.3Quality: 7.5
Piotroski: 6/9Altman Z: 0.41

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

UCB6 strengths · Avg: 9.8/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
34.1%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
50.9%10/10

Strong operational efficiency at 50.9%

EPS GrowthGrowth
50.8%10/10

Earnings expanding 50.8% YoY

Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

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

UCB2 concerns · Avg: 3.0/10
PEG RatioValuation
1.674/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.412/10

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 22.3% and operating margin at 32.6%.

Bull Case : UCB

The strongest argument for UCB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.1% and operating margin at 50.9%. Revenue growth of 24.4% demonstrates continued momentum.

Bear Case : BRK-B

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

Bear Case : UCB

The primary concerns for UCB are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

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

UCB carries more volatility with a beta of 0.83 — expect wider price swings.

UCB is growing revenue faster at 24.4% — sustainability is the question.

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

Bottom Line

UCB scores higher overall (79/100 vs 74/100), backed by strong 34.1% margins and 24.4% revenue growth. Both earn "Strong Buy" and "Strong 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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United Community Banks, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

United Community Banks, Inc. (UCB), headquartered in Blairsville, Georgia, operates as a leading regional bank providing a comprehensive suite of financial services, including commercial and retail banking, mortgage lending, and wealth management, with a strong presence in the Southeastern U.S. The bank's strategic emphasis on community engagement and prudent growth through targeted acquisitions positions it well for sustained profitability and expansion. UCB maintains robust risk management protocols and a steadfast commitment to customer service, reinforcing its reputation as a trusted financial partner for both individuals and businesses. With a focus on innovation aligned with core values, UCB is poised to navigate the evolving financial landscape effectively.

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