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BRK-A vs NBTB

BRK-A
Berkshire Hathaway Inc.
BEARISH
Price
$718921.00
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
65%
NBTB
NBT Bancorp Inc.
BULLISH
Price
$45.19
Market Cap
$2.36B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BRK-A
15.45
NBTB
13.57
Forward P/E
BRK-A
22.3
NBTB
9.85
P/B Ratio
BRK-A
1.44
NBTB
1.24
P/S Ratio
BRK-A
2.78
NBTB
3.55
EV/EBITDA
BRK-A
7.21
NBTB
--

Profitability

Gross Margin
BRK-A
26.15%
NBTB
0.0%
Operating Margin
BRK-A
32.96%
NBTB
41.87%
Profit Margin
BRK-A
18.03%
NBTB
25.46%
ROE
BRK-A
9.81%
NBTB
9.89%
ROA
BRK-A
5.11%
NBTB
1.14%

Growth

Revenue Growth
BRK-A
-0.7%
NBTB
24.0%
Earnings Growth
BRK-A
-2.5%
NBTB
39.5%

Financial Health

Debt/Equity
BRK-A
0.19
NBTB
--
Current Ratio
BRK-A
7.07
NBTB
--
Quick Ratio
BRK-A
6.62
NBTB
--

Dividends

Dividend Yield
BRK-A
--
NBTB
3.2%
Payout Ratio
BRK-A
0.0%
NBTB
42.64%

AI Verdict

BRK-A BEARISH

BRK-A shows bearish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Concerns include weak profitability or high valuation.

Strengths
Low debt with D/E ratio of 0.19
Risks
Weak financial trend (Piotroski F-Score: 3/9)
Declining revenue (-0.7%)
NBTB BULLISH

NBTB exhibits a stable financial foundation with a Piotroski F-Score of 4/9 and significant valuation upside, trading well below its Graham Number ($52.17) and Intrinsic Value ($98.23). The company demonstrates exceptional growth momentum with 39.5% YoY earnings growth and a stellar 25-quarter track record of meeting or beating estimates. While technical trends are currently bearish (10/100) and insider activity is slightly negative, the fundamental value and growth trajectory strongly outweigh these short-term signals.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional earnings growth (39.5% YoY) and revenue growth (24% YoY)
Consistent earnings beat record over 25 consecutive quarters
Risks
Severely bearish technical trend (10/100) suggesting short-term price pressure
Net bearish insider sentiment with recent officer sales
Piotroski F-Score of 4/9 indicates only 'stable' rather than 'strong' financial health

Compare Another Pair

BRK-A vs NBTB: Head-to-Head Comparison

This page compares Berkshire Hathaway Inc. (BRK-A) and NBT Bancorp Inc. (NBTB) 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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