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BRK-B vs CZWI

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
CZWI
Citizens Community Bancorp, Inc.
NEUTRAL
Price
$20.48
Market Cap
$197.2M
Sector
Financial Services
AI Confidence
60%

Valuation

P/E Ratio
BRK-B
15.46
CZWI
13.74
Forward P/E
BRK-B
22.06
CZWI
9.68
P/B Ratio
BRK-B
0.0
CZWI
1.62
P/S Ratio
BRK-B
2.79
CZWI
3.27
EV/EBITDA
BRK-B
-2.12
CZWI
--

Profitability

Gross Margin
BRK-B
26.15%
CZWI
0.0%
Operating Margin
BRK-B
32.96%
CZWI
16.56%
Profit Margin
BRK-B
18.03%
CZWI
23.88%
ROE
BRK-B
9.81%
CZWI
7.86%
ROA
BRK-B
5.11%
CZWI
0.82%

Growth

Revenue Growth
BRK-B
-0.7%
CZWI
25.1%
Earnings Growth
BRK-B
-2.5%
CZWI
-60.9%

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
CZWI
2.31%
Payout Ratio
BRK-B
0.0%
CZWI
24.66%

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
CZWI NEUTRAL

CZWI shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics. Price trades at a 96.4% premium to fair value estimate ($10.43), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 13.7
Strong profitability (23.9% margin)
Strong revenue growth of 25.1%
Risks
Weak financial trend (Piotroski F-Score: 3/9)
Price trades at a 96.4% premium to fair value estimate ($10.43), limiting near-term upside from a valuation perspective.

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and Citizens Community Bancorp, Inc. (CZWI) 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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