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BRK-B vs CZFS

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
CZFS
Citizens Financial Services, Inc.
NEUTRAL
Price
$66.10
Market Cap
$317.8M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BRK-B
15.46
CZFS
8.67
Forward P/E
BRK-B
22.06
CZFS
8.34
P/B Ratio
BRK-B
0.0
CZFS
0.94
P/S Ratio
BRK-B
2.79
CZFS
2.89
EV/EBITDA
BRK-B
-2.12
CZFS
--

Profitability

Gross Margin
BRK-B
26.15%
CZFS
0.0%
Operating Margin
BRK-B
32.96%
CZFS
46.84%
Profit Margin
BRK-B
18.03%
CZFS
33.26%
ROE
BRK-B
9.81%
CZFS
11.47%
ROA
BRK-B
5.11%
CZFS
1.2%

Growth

Revenue Growth
BRK-B
-0.7%
CZFS
9.7%
Earnings Growth
BRK-B
-2.5%
CZFS
31.3%

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
CZFS
3.03%
Payout Ratio
BRK-B
0.0%
CZFS
26.05%

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
CZFS NEUTRAL

CZFS shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 8.7
Undervalued vs Graham Number ($109.8)
Strong profitability (33.3% margin)
Risks
Weak financial trend (Piotroski F-Score: 3/9)

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and Citizens Financial Services, Inc. (CZFS) 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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