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BRK-B vs CZNC

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
CZNC
Citizens & Northern Corporation
NEUTRAL
Price
$22.89
Market Cap
$410.0M
Sector
Financial Services
AI Confidence
55%

Valuation

P/E Ratio
BRK-B
15.46
CZNC
15.68
Forward P/E
BRK-B
22.06
CZNC
8.48
P/B Ratio
BRK-B
0.0
CZNC
1.19
P/S Ratio
BRK-B
2.79
CZNC
3.52
EV/EBITDA
BRK-B
-2.12
CZNC
--

Profitability

Gross Margin
BRK-B
26.15%
CZNC
0.0%
Operating Margin
BRK-B
32.96%
CZNC
34.55%
Profit Margin
BRK-B
18.03%
CZNC
20.09%
ROE
BRK-B
9.81%
CZNC
7.59%
ROA
BRK-B
5.11%
CZNC
0.82%

Growth

Revenue Growth
BRK-B
-0.7%
CZNC
24.5%
Earnings Growth
BRK-B
-2.5%
CZNC
-52.6%

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
CZNC
4.9%
Payout Ratio
BRK-B
0.0%
CZNC
76.71%

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
CZNC NEUTRAL

CZNC shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics. Price trades at a 124.0% premium to fair value estimate ($10.22), limiting near-term upside from a valuation perspective.

Strengths
Strong profitability (20.1% margin)
Strong revenue growth of 24.5%
Risks
Limited historical data available for full assessment
Price trades at a 124.0% premium to fair value estimate ($10.22), limiting near-term upside from a valuation perspective.

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and Citizens & Northern Corporation (CZNC) 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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