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BRK-B vs HTBK

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
HTBK
Heritage Commerce Corp
BULLISH
Price
$13.37
Market Cap
$823.5M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BRK-B
15.46
HTBK
17.14
Forward P/E
BRK-B
22.06
HTBK
12.52
P/B Ratio
BRK-B
0.0
HTBK
1.16
P/S Ratio
BRK-B
2.79
HTBK
4.21
EV/EBITDA
BRK-B
-2.12
HTBK
--

Profitability

Gross Margin
BRK-B
26.15%
HTBK
0.0%
Operating Margin
BRK-B
32.96%
HTBK
45.34%
Profit Margin
BRK-B
18.03%
HTBK
24.45%
ROE
BRK-B
9.81%
HTBK
6.84%
ROA
BRK-B
5.11%
HTBK
0.84%

Growth

Revenue Growth
BRK-B
-0.7%
HTBK
17.7%
Earnings Growth
BRK-B
-2.5%
HTBK
45.2%

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
HTBK
3.89%
Payout Ratio
BRK-B
0.0%
HTBK
66.67%

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
HTBK BULLISH

HTBK presents a stable financial profile with a Piotroski F-Score of 4/9 and is currently undervalued relative to its Graham Number ($14.23) and Intrinsic Value ($23.01). The company exhibits exceptional earnings growth (45.2% YoY) and a consistent track record of beating quarterly estimates over the last 25 quarters. However, a severely bearish technical trend (10/100) and modest ROE (6.84%) suggest caution regarding short-term timing. Overall, the strong fundamental growth and valuation discount outweigh the current technical weakness.

Strengths
Significant undervaluation relative to Intrinsic Value ($23.01) and Graham Number ($14.23)
Exceptional YoY earnings growth of 45.20%
Strong earnings track record with 3/4 recent beats and consistent positive surprises
Risks
Severely bearish technical trend (10/100) indicating strong downward price momentum
Low Return on Equity (6.84%) compared to high-performing regional peers
Piotroski F-Score of 4/9 indicates only 'stable' health rather than 'strong'

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and Heritage Commerce Corp (HTBK) 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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