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BRK-B vs CFR

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
CFR
Cullen/Frost Bankers, Inc.
NEUTRAL
Price
$141.40
Market Cap
$8.9B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BRK-B
15.46
CFR
14.24
Forward P/E
BRK-B
22.06
CFR
13.29
P/B Ratio
BRK-B
0.0
CFR
2.02
P/S Ratio
BRK-B
2.79
CFR
4.06
EV/EBITDA
BRK-B
-2.12
CFR
--

Profitability

Gross Margin
BRK-B
26.15%
CFR
0.0%
Operating Margin
BRK-B
32.96%
CFR
34.52%
Profit Margin
BRK-B
18.03%
CFR
29.6%
ROE
BRK-B
9.81%
CFR
15.31%
ROA
BRK-B
5.11%
CFR
1.23%

Growth

Revenue Growth
BRK-B
-0.7%
CFR
9.5%
Earnings Growth
BRK-B
-2.5%
CFR
8.5%

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
CFR
2.83%
Payout Ratio
BRK-B
0.0%
CFR
39.82%

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
CFR NEUTRAL

CFR presents a dichotomy between exceptional earnings consistency and deteriorating financial health, as evidenced by a weak Piotroski F-Score of 3/9. While the stock trades between its Graham Number ($123.50) and Intrinsic Value ($191.38), the high PEG ratio of 2.38 and a bearish technical trend (10/100) suggest limited immediate upside. Strong ROE (15.31%) and a sustainable dividend payout (39.82%) provide a fundamental floor, but insider selling and poor deterministic health scores warrant a cautious approach. The company remains a stable earner, but current valuation and health metrics indicate a period of stagnation.

Strengths
Exceptional earnings track record with consistent beats over 25 quarters
Strong Return on Equity (ROE) of 15.31%
Sustainable dividend profile with a low payout ratio of 39.82%
Risks
Weak financial health indicated by a Piotroski F-Score of 3/9
Bearish technical trend (10/100) suggesting strong downward momentum
High PEG ratio (2.38) indicating the stock may be overvalued relative to its growth rate

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and Cullen/Frost Bankers, Inc. (CFR) 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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