American States Water Company (AWR)vsW. R. Berkley Corp (WRB)
AWR
American States Water Company
$75.84
-0.47%
UTILITIES · Cap: $2.95B
WRB
W. R. Berkley Corp
$66.12
-0.56%
FINANCIAL SERVICES · Cap: $25.89B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 2157% more annual revenue ($14.85B vs $658.07M). AWR leads profitability with a 19.8% profit margin vs 12.6%. AWR appears more attractively valued with a PEG of 2.71. WRB earns a higher WallStSmart Score of 65/100 (C+).
AWR
Buy56
out of 100
Grade: C
WRB
Buy65
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-3.5%
Fair Value
$68.58
Current Price
$75.84
$7.26 premium
Intrinsic value data unavailable for WRB.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 28.8%
Every $100 of equity generates 20 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Earnings declined 1.2%
Negative free cash flow — burning cash
4.0% revenue growth
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : AWR
The strongest argument for AWR centers on Price/Book, Operating Margin. Profitability is solid with margins at 19.8% and operating margin at 28.8%. Revenue growth of 14.8% demonstrates continued momentum.
Bull Case : WRB
The strongest argument for WRB centers on Return on Equity, P/E Ratio, Price/Book.
Bear Case : AWR
The primary concerns for AWR are Piotroski F-Score, PEG Ratio, EPS Growth.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
AWR profiles as a mature stock while WRB is a value play — different risk/reward profiles.
AWR carries more volatility with a beta of 0.65 — expect wider price swings.
AWR is growing revenue faster at 14.8% — sustainability is the question.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Bottom Line
WRB scores higher overall (65/100 vs 56/100). Both earn "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.
American States Water Company
UTILITIES · UTILITIES - REGULATED WATER · USA
American States Water Company provides water and electricity services to residential, commercial, industrial and other customers in the United States. The company is headquartered in San Dimas, California.
Visit Website →W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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