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BRK-B vs LSBK

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
LSBK
Lake Shore Bancorp, Inc.
BULLISH
Price
$15.68
Market Cap
$122.9M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BRK-B
15.46
LSBK
16.16
Forward P/E
BRK-B
22.06
LSBK
--
P/B Ratio
BRK-B
0.0
LSBK
0.81
P/S Ratio
BRK-B
2.79
LSBK
4.39
EV/EBITDA
BRK-B
-2.12
LSBK
--

Profitability

Gross Margin
BRK-B
26.15%
LSBK
0.0%
Operating Margin
BRK-B
32.96%
LSBK
33.37%
Profit Margin
BRK-B
18.03%
LSBK
25.94%
ROE
BRK-B
9.81%
LSBK
6.28%
ROA
BRK-B
5.11%
LSBK
1.03%

Growth

Revenue Growth
BRK-B
-0.7%
LSBK
3.5%
Earnings Growth
BRK-B
-2.5%
LSBK
37.2%

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
LSBK
2.3%
Payout Ratio
BRK-B
0.0%
LSBK
37.11%

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
LSBK BULLISH

LSBK presents a strong value opportunity, anchored by a stable Piotroski F-Score of 4/9 and a significant discount to its Graham Number ($20.52) and Intrinsic Value ($28.61). The company is trading below book value (P/B 0.81), which is a classic bullish indicator for regional banks. While revenue growth is modest at 3.50%, the company has demonstrated impressive earnings growth of 37.20% YoY. Despite a bearish technical trend score, the fundamental valuation and sustainable dividend payout suggest significant upside potential.

Strengths
Trading at a discount to book value (P/B 0.81)
Strong earnings growth (37.20% YoY and 31.70% Q/Q)
Significant margin of safety relative to Graham Number ($20.52)
Risks
Low Return on Equity (ROE) of 6.28% compared to industry leaders
Slow organic revenue growth (3.50% YoY)
Bearish technical trend (10/100) suggesting potential short-term momentum loss

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and Lake Shore Bancorp, Inc. (LSBK) 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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