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BRK-B vs CBU

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
CBU
Community Financial System, Inc.
NEUTRAL
Price
$62.32
Market Cap
$3.27B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BRK-B
15.46
CBU
15.7
Forward P/E
BRK-B
22.06
CBU
11.62
P/B Ratio
BRK-B
0.0
CBU
1.64
P/S Ratio
BRK-B
2.79
CBU
4.11
EV/EBITDA
BRK-B
-2.12
CBU
--

Profitability

Gross Margin
BRK-B
26.15%
CBU
0.0%
Operating Margin
BRK-B
32.96%
CBU
34.95%
Profit Margin
BRK-B
18.03%
CBU
26.42%
ROE
BRK-B
9.81%
CBU
11.17%
ROA
BRK-B
5.11%
CBU
1.25%

Growth

Revenue Growth
BRK-B
-0.7%
CBU
10.7%
Earnings Growth
BRK-B
-2.5%
CBU
9.7%

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
CBU
3.02%
Payout Ratio
BRK-B
0.0%
CBU
46.85%

AI Verdict

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
CBU NEUTRAL

CBU presents a stable but stagnant profile, anchored by a Piotroski F-Score of 4/9, indicating mediocre financial health. While the current price of $62.32 sits slightly above the Graham Number ($58.32) but well below the growth-based intrinsic value ($85.55), valuation is tempered by a high PEG ratio of 2.62. Recent earnings performance is disappointing, with only one beat in the last four quarters and a bearish insider sentiment. The stock is currently a hold, balancing steady dividend payouts against weakening internal momentum.

Strengths
Consistent revenue growth of 10.70% YoY
Sustainable dividend payout ratio of 46.85%
Positive ROE of 11.17% and ROA of 1.25%
Risks
Bearish insider activity with four recent sales and zero buys
Poor earnings track record (only 1 of last 4 quarters beat estimates)
High PEG ratio (2.62) suggesting overvaluation relative to growth

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and Community Financial System, Inc. (CBU) 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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