Berkshire Hathaway Inc (BRK-B)vsCitizens Financial Services Inc. Common Stock (CZFS)
BRK-B
Berkshire Hathaway Inc
$509.16
-0.63%
FINANCIAL SERVICES · Cap: $1.06T
CZFS
Citizens Financial Services Inc. Common Stock
$77.26
+0.49%
FINANCIAL SERVICES · Cap: $343.55M
Smart Verdict
WallStSmart Research — data-driven comparison
Berkshire Hathaway Inc generates 330734% more annual revenue ($375.39B vs $113.47M). CZFS leads profitability with a 34.7% profit margin vs 19.3%. CZFS trades at a lower P/E of 8.7x. CZFS earns a higher WallStSmart Score of 65/100 (B-).
BRK-B
Buy62
out of 100
Grade: C+
CZFS
Strong Buy65
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
Earnings expanding 119.6% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Generating 5.5B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 45.7%
Earnings expanding 36.0% YoY
Areas to Watch
4.4% revenue growth
Weak financial health signals
Expensive relative to growth rate
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, EPS Growth. Profitability is solid with margins at 19.3% and operating margin at 14.3%.
Bull Case : CZFS
The strongest argument for CZFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.7% and operating margin at 45.7%. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : BRK-B
The primary concerns for BRK-B are Revenue Growth, Piotroski F-Score, PEG Ratio.
Bear Case : CZFS
The primary concerns for CZFS are Market Cap.
Key Dynamics to Monitor
BRK-B profiles as a value stock while CZFS is a mature play — different risk/reward profiles.
BRK-B carries more volatility with a beta of 0.61 — expect wider price swings.
CZFS is growing revenue faster at 13.6% — sustainability is the question.
BRK-B generates stronger free cash flow (5.5B), providing more financial flexibility.
Bottom Line
CZFS scores higher overall (65/100 vs 62/100), backed by strong 34.7% margins and 13.6% revenue growth. 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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