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BHRB vs BRK-B

BHRB
Burke & Herbert Financial Services Corp.
NEUTRAL
Price
$64.50
Market Cap
$970.0M
Sector
Financial Services
AI Confidence
80%
BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BHRB
8.35
BRK-B
15.46
Forward P/E
BHRB
7.3
BRK-B
22.06
P/B Ratio
BHRB
1.15
BRK-B
0.0
P/S Ratio
BHRB
2.87
BRK-B
2.79
EV/EBITDA
BHRB
--
BRK-B
-2.12

Profitability

Gross Margin
BHRB
0.0%
BRK-B
26.15%
Operating Margin
BHRB
54.23%
BRK-B
32.96%
Profit Margin
BHRB
34.65%
BRK-B
18.03%
ROE
BHRB
14.8%
BRK-B
9.81%
ROA
BHRB
1.49%
BRK-B
5.11%

Growth

Revenue Growth
BHRB
8.7%
BRK-B
-0.7%
Earnings Growth
BHRB
51.8%
BRK-B
-2.5%

Financial Health

Debt/Equity
BHRB
--
BRK-B
0.19
Current Ratio
BHRB
--
BRK-B
7.07
Quick Ratio
BHRB
--
BRK-B
6.62

Dividends

Dividend Yield
BHRB
--
BRK-B
--
Payout Ratio
BHRB
--
BRK-B
0.0%

AI Verdict

BHRB NEUTRAL

BHRB presents a stark contrast between deep value and deteriorating fundamental health. While the stock trades significantly below its Graham Number ($98.78) and Intrinsic Value ($227.74) with a low P/E of 8.35, the Piotroski F-Score of 3/9 indicates weak financial health. Strong earnings growth (51.8% YoY) and a consistent track record of beating estimates are offset by a bearish technical trend and a lack of dividend support. The valuation is highly attractive, but the low health score necessitates a cautious approach.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth of 51.8% YoY
Consistent earnings beat record (4/4 in last 4 quarters)
Risks
Weak fundamental health as indicated by a Piotroski F-Score of 3/9
Bearish technical trend (0/100)
Lack of dividend yield to provide a price floor
BRK-B NEUTRAL

The deterministic health profile is weak, highlighted by a Piotroski F-Score of 3/9, indicating deteriorating operational efficiency and profitability trends. While the company maintains a fortress balance sheet with a Debt/Equity ratio of 0.19 and a Current Ratio of 7.07, the stock is trading at a significant premium to its growth-based intrinsic value of $217.21. Negative YoY revenue and earnings growth, coupled with a bearish technical trend, offset the positive analyst sentiment and long-term historical performance.

Strengths
Exceptional liquidity with a Current Ratio of 7.07
Very low leverage (Debt/Equity 0.19)
Strong operating margins at 32.96%
Risks
Significant overvaluation relative to intrinsic value ($479.75 vs $217.21)
Negative YoY earnings growth (-2.50%) and revenue growth (-0.70%)
Weak Piotroski F-Score (3/9) suggesting declining financial health trends

Compare Another Pair

BHRB vs BRK-B: Head-to-Head Comparison

This page compares Burke & Herbert Financial Services Corp. (BHRB) and Berkshire Hathaway Inc. (BRK-B) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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