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BRK-B vs NPB

BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%
NPB
Northpointe Bancshares, Inc.
NEUTRAL
Price
$17.83
Market Cap
$615.0M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BRK-B
15.46
NPB
7.96
Forward P/E
BRK-B
22.06
NPB
5.98
P/B Ratio
BRK-B
0.0
NPB
1.04
P/S Ratio
BRK-B
2.79
NPB
2.45
EV/EBITDA
BRK-B
-2.12
NPB
--

Profitability

Gross Margin
BRK-B
26.15%
NPB
0.0%
Operating Margin
BRK-B
32.96%
NPB
46.08%
Profit Margin
BRK-B
18.03%
NPB
35.12%
ROE
BRK-B
9.81%
NPB
15.01%
ROA
BRK-B
5.11%
NPB
1.33%

Growth

Revenue Growth
BRK-B
-0.7%
NPB
27.9%
Earnings Growth
BRK-B
-2.5%
NPB
24.2%

Financial Health

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

Dividends

Dividend Yield
BRK-B
--
NPB
0.56%
Payout Ratio
BRK-B
0.0%
NPB
4.46%

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
NPB NEUTRAL

NPB presents a classic value trap profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health despite strong top-line growth. While the stock trades at a significant discount to its Graham Number ($29.36) and Intrinsic Value ($66.08), this valuation is offset by bearish technicals, insider selling, and a poor earnings track record (1/4 beats). The disconnect between high growth rates and poor financial health scores suggests underlying operational or balance sheet instability.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY Revenue Growth (27.90%) and Earnings Growth (24.20%)
Low P/E ratio (7.96) and Forward P/E (5.98) compared to sector averages
Risks
Critical financial health warning indicated by Piotroski F-Score of 2/9
Bearish insider sentiment with $1.3M in net selling over the last 6 months
Poor earnings reliability with 3 of the last 4 quarters missing estimates

Compare Another Pair

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

This page compares Berkshire Hathaway Inc. (BRK-B) and Northpointe Bancshares, Inc. (NPB) 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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