Berkshire Hathaway Inc (BRK-A)vsCitizens & Northern Corp (CZNC)
BRK-A
Berkshire Hathaway Inc
$712,064.33
-0.13%
FINANCIAL SERVICES · Cap: $1.02T
CZNC
Citizens & Northern Corp
$22.08
-4.00%
FINANCIAL SERVICES · Cap: $416.23M
Smart Verdict
WallStSmart Research — data-driven comparison
Berkshire Hathaway Inc generates 318375% more annual revenue ($371.44B vs $116.63M). CZNC leads profitability with a 20.1% profit margin vs 18.0%. CZNC appears more attractively valued with a PEG of 1.21. CZNC earns a higher WallStSmart Score of 65/100 (C+).
BRK-A
Buy51
out of 100
Grade: C-
CZNC
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 33.0%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Generating 5.0B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 34.5%
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 24.5% year-over-year
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
ROE of 7.6% — below average capital efficiency
Weak financial health signals
Earnings declined 52.6%
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 18.0% and operating margin at 33.0%.
Bull Case : CZNC
The strongest argument for CZNC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 34.5%. Revenue growth of 24.5% demonstrates continued momentum.
Bear Case : BRK-A
The primary concerns for BRK-A are Piotroski F-Score, PEG Ratio, Revenue Growth.
Bear Case : CZNC
The primary concerns for CZNC are Market Cap, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
BRK-A profiles as a declining stock while CZNC is a growth play — different risk/reward profiles.
BRK-A carries more volatility with a beta of 0.70 — expect wider price swings.
CZNC is growing revenue faster at 24.5% — sustainability is the question.
BRK-A generates stronger free cash flow (5.0B), providing more financial flexibility.
Bottom Line
CZNC scores higher overall (65/100 vs 51/100), backed by strong 20.1% margins and 24.5% revenue growth. 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.
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 & Northern Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens & Northern Corporation is the banking holding company for Citizens & Northern Bank providing a range of banking and mortgage services to individual and corporate clients in northern central Pennsylvania and southern New York. The company is headquartered in Wellsboro, Pennsylvania.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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