Berkshire Hathaway Inc (BRK-B)vsCitizens Financial Services Inc. Common Stock (CZFS)
BRK-B
Berkshire Hathaway Inc
$474.07
-0.28%
FINANCIAL SERVICES · Cap: $1.03T
CZFS
Citizens Financial Services Inc. Common Stock
$63.16
-2.76%
FINANCIAL SERVICES · Cap: $317.08M
Smart Verdict
WallStSmart Research — data-driven comparison
Berkshire Hathaway Inc generates 337668% more annual revenue ($371.44B vs $109.97M). CZFS leads profitability with a 33.3% profit margin vs 18.0%. CZFS trades at a lower P/E of 8.7x. CZFS earns a higher WallStSmart Score of 66/100 (B-).
BRK-B
Buy54
out of 100
Grade: C-
CZFS
Strong Buy66
out of 100
Grade: B-
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 33.0%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Generating 5.0B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.9%
Earnings expanding 31.3% YoY
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Revenue declined 0.7%
Earnings declined 2.5%
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : BRK-B
The strongest argument for BRK-B centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 18.0% and operating margin at 33.0%.
Bull Case : CZFS
The strongest argument for CZFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.3% and operating margin at 46.9%.
Bear Case : BRK-B
The primary concerns for BRK-B are Piotroski F-Score, PEG Ratio, Revenue Growth.
Bear Case : CZFS
The primary concerns for CZFS are Market Cap.
Key Dynamics to Monitor
BRK-B profiles as a declining stock while CZFS is a mature play — different risk/reward profiles.
BRK-B carries more volatility with a beta of 0.70 — expect wider price swings.
CZFS is growing revenue faster at 9.7% — sustainability is the question.
BRK-B generates stronger free cash flow (5.0B), providing more financial flexibility.
Bottom Line
CZFS scores higher overall (66/100 vs 54/100), backed by strong 33.3% 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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