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BRK-B vs HBNC

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
HBNC
Horizon Bancorp, Inc.
NEUTRAL
Price
$17.68
Market Cap
$905.7M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BRK-B
15.46
HBNC
--
Forward P/E
BRK-B
22.06
HBNC
8.07
P/B Ratio
BRK-B
0.0
HBNC
1.32
P/S Ratio
BRK-B
2.79
HBNC
-31.38
EV/EBITDA
BRK-B
-2.12
HBNC
--

Profitability

Gross Margin
BRK-B
26.15%
HBNC
0.0%
Operating Margin
BRK-B
32.96%
HBNC
47.27%
Profit Margin
BRK-B
18.03%
HBNC
0.0%
ROE
BRK-B
9.81%
HBNC
-20.73%
ROA
BRK-B
5.11%
HBNC
-2.11%

Growth

Revenue Growth
BRK-B
-0.7%
HBNC
218.7%
Earnings Growth
BRK-B
-2.5%
HBNC
--

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
HBNC
3.62%
Payout Ratio
BRK-B
0.0%
HBNC
54.7%

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
HBNC NEUTRAL

HBNC presents a stark contradiction between valuation and fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock appears undervalued with a Forward P/E of 8.07 and a PEG of 0.80, the negative ROE (-20.73%) and ROA (-2.11%) indicate significant operational inefficiency or temporary distress. Despite astronomical revenue growth (218.7%), earnings are declining YoY (-18.5%), suggesting that top-line expansion is not translating to profitability. The technical trend is currently bearish (0/100), offsetting the positive analyst target of $20.80.

Strengths
Attractive Forward P/E ratio of 8.07
Low PEG ratio (0.80) suggesting undervaluation relative to growth
Strong historical earnings beat record (3/4 in last 4 quarters)
Risks
Critical financial health weakness (Piotroski F-Score 2/9)
Negative Return on Equity (-20.73%) and Return on Assets (-2.11%)
Negative YoY EPS growth (-18.5%) despite revenue surge

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and Horizon Bancorp, Inc. (HBNC) 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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