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BRK-B vs INBK

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
INBK
First Internet Bancorp
BEARISH
Price
$23.14
Market Cap
$201.7M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BRK-B
15.46
INBK
--
Forward P/E
BRK-B
22.06
INBK
4.88
P/B Ratio
BRK-B
0.0
INBK
0.56
P/S Ratio
BRK-B
2.79
INBK
4.57
EV/EBITDA
BRK-B
-2.12
INBK
--

Profitability

Gross Margin
BRK-B
26.15%
INBK
0.0%
Operating Margin
BRK-B
32.96%
INBK
23.78%
Profit Margin
BRK-B
18.03%
INBK
-79.64%
ROE
BRK-B
9.81%
INBK
-9.46%
ROA
BRK-B
5.11%
INBK
-0.62%

Growth

Revenue Growth
BRK-B
-0.7%
INBK
-8.0%
Earnings Growth
BRK-B
-2.5%
INBK
-28.0%

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
INBK
1.04%
Payout Ratio
BRK-B
0.0%
INBK
13.64%

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
INBK BEARISH

The deterministic health profile is severely compromised, headlined by a Piotroski F-Score of 2/9, indicating weak financial health and deteriorating fundamentals. While the stock trades at a deep discount to book value (P/B 0.56) and has an attractive forward P/E of 4.88, these valuation metrics are likely 'value traps' given the negative ROE (-9.46%) and a staggering profit margin of -79.64%. Despite a recent short-term price rally and bullish analyst recommendations, the underlying data shows declining YoY revenue and earnings growth coupled with significant earnings misses.

Strengths
Deeply undervalued relative to book value (P/B 0.56)
Very low forward P/E ratio of 4.88
Positive short-term price momentum (1M +18.1%)
Risks
Critical financial health failure (Piotroski F-Score 2/9)
Severe lack of profitability with a -79.64% profit margin
Negative Return on Equity (ROE) of -9.46%

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and First Internet Bancorp (INBK) 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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