California Water Service Group (CWT)vsW. R. Berkley Corp (WRB)
CWT
California Water Service Group
$43.03
-0.02%
UTILITIES · Cap: $2.54B
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 1369% more annual revenue ($14.85B vs $1.01B). WRB leads profitability with a 12.6% profit margin vs 11.8%. CWT appears more attractively valued with a PEG of 1.93. WRB earns a higher WallStSmart Score of 65/100 (C+).
CWT
Buy53
out of 100
Grade: C-
WRB
Buy65
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+30.3%
Fair Value
$63.31
Current Price
$43.03
$20.28 discount
Intrinsic value data unavailable for WRB.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
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
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
Weak financial health signals
Earnings declined 69.3%
4.0% revenue growth
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : CWT
The strongest argument for CWT centers on Price/Book.
Bull Case : WRB
The strongest argument for WRB centers on Return on Equity, P/E Ratio, Price/Book.
Bear Case : CWT
The primary concerns for CWT are PEG Ratio, Return on Equity, Piotroski F-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
CWT carries more volatility with a beta of 0.61 — expect wider price swings.
CWT is growing revenue faster at 5.2% — sustainability is the question.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Monitor UTILITIES - REGULATED WATER industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WRB scores higher overall (65/100 vs 53/100). CWT offers better value entry with a 30.3% margin of safety. 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.
California Water Service Group
UTILITIES · UTILITIES - REGULATED WATER · USA
California Water Service Group provides public water and related services in California, Washington, New Mexico and Hawaii. The company is headquartered in San Jose, 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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