Berkshire Hathaway Inc (BRK-A)vsCitizens Financial Services Inc. Common Stock (CZFS)
BRK-A
Berkshire Hathaway Inc
$766,000.00
+0.62%
FINANCIAL SERVICES · Cap: $1.09T
CZFS
Citizens Financial Services Inc. Common Stock
$82.21
-1.09%
FINANCIAL SERVICES · Cap: $395.42M
Smart Verdict
WallStSmart Research — data-driven comparison
Berkshire Hathaway Inc generates 335119% more annual revenue ($384.69B vs $114.76M). CZFS leads profitability with a 35.8% profit margin vs 22.3%. CZFS trades at a lower P/E of 9.6x. BRK-A earns a higher WallStSmart Score of 74/100 (B).
BRK-A
Strong Buy74
out of 100
Grade: B
CZFS
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 32.6%
Earnings expanding 107.8% YoY
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 44.5%
Earnings expanding 20.5% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Elevated debt levels
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : BRK-A
The strongest argument for BRK-A centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.6%.
Bull Case : CZFS
The strongest argument for CZFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.8% and operating margin at 44.5%.
Bear Case : BRK-A
The primary concerns for BRK-A are PEG Ratio.
Bear Case : CZFS
The primary concerns for CZFS are Market Cap, Debt/Equity, Free Cash Flow.
Key Dynamics to Monitor
BRK-A carries more volatility with a beta of 0.60 — expect wider price swings.
CZFS is growing revenue faster at 10.0% — sustainability is the question.
BRK-A generates stronger free cash flow (5.6B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BRK-A scores higher overall (74/100 vs 65/100), backed by strong 22.3% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Berkshire Hathaway Inc
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Berkshire Hathaway Inc. is an American multinational conglomerate holding company headquartered in Omaha, Nebraska, United States. The company wholly owns GEICO, Duracell, Dairy Queen, BNSF, Lubrizol, Fruit of the Loom, Helzberg Diamonds, Long & Foster, FlightSafety International, Pampered Chef, Forest River, and NetJets, and also owns 38.6% of Pilot Flying J; and significant minority holdings in public companies Kraft Heinz Company (26.7%), American Express (18.8%), The Coca-Cola Company (9.32%), Bank of America (11.9%), and Apple (6.3%).
Visit Website →Citizens Financial Services Inc. Common Stock
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Financial Services, Inc. is the banking holding company of First Citizens Community Bank that offers a variety of banking products and services for individual, business, government and institutional clients. The company is headquartered in Mansfield, Pennsylvania.
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