Berkshire Hathaway Inc (BRK-B)vsCitizens Inc (CIA)
BRK-B
Berkshire Hathaway Inc
$510.37
+0.66%
FINANCIAL SERVICES · Cap: $1.09T
CIA
Citizens Inc
$3.58
+2.29%
FINANCIAL SERVICES · Cap: $181.30M
Smart Verdict
WallStSmart Research — data-driven comparison
Berkshire Hathaway Inc generates 150754% more annual revenue ($384.69B vs $255.01M). BRK-B leads profitability with a 22.3% profit margin vs 4.5%. CIA appears more attractively valued with a PEG of 1.21. BRK-B earns a higher WallStSmart Score of 74/100 (B).
BRK-B
Strong Buy74
out of 100
Grade: B
CIA
Buy55
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
Reasonable price relative to book value
Earnings expanding 99.5% YoY
Attractively priced relative to earnings
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
4.5% margin — thin
Weak financial health signals
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 22.3% and operating margin at 32.6%.
Bull Case : CIA
The strongest argument for CIA centers on Price/Book, EPS Growth, P/E Ratio. PEG of 1.21 suggests the stock is reasonably priced for its growth.
Bear Case : BRK-B
The primary concerns for BRK-B are Piotroski F-Score, PEG Ratio.
Bear Case : CIA
The primary concerns for CIA are Market Cap, Return on Equity, Profit Margin. Thin 4.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
BRK-B profiles as a mature stock while CIA is a value play — different risk/reward profiles.
BRK-B carries more volatility with a beta of 0.60 — expect wider price swings.
BRK-B is growing revenue faster at 10.0% — sustainability is the question.
BRK-B generates stronger free cash flow (5.6B), providing more financial flexibility.
Bottom Line
BRK-B scores higher overall (74/100 vs 55/100), 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 Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Citizens, Inc., offers life insurance products in the United States and internationally. The company is headquartered in Austin, Texas.
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