WallStSmart

CrossFirst Bankshares Inc (CFB)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 11386% more annual revenue ($28.79B vs $250.66M). CFB leads profitability with a 31.3% profit margin vs 14.1%. HIG trades at a lower P/E of 9.6x. HIG earns a higher WallStSmart Score of 77/100 (B+).

CFB

Strong Buy

66

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 6.7Quality: 5.0

HIG

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CFB5 strengths · Avg: 9.6/10
P/E RatioValuation
10.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.3%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
48.6%10/10

Strong operational efficiency at 48.6%

EPS GrowthGrowth
27.4%8/10

Earnings expanding 27.4% YoY

HIG6 strengths · Avg: 9.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

Areas to Watch

CFB1 concerns · Avg: 3.0/10
Market CapQuality
$788.64M3/10

Smaller company, higher risk/reward

HIG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : CFB

The strongest argument for CFB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.3% and operating margin at 48.6%. Revenue growth of 13.9% demonstrates continued momentum.

Bull Case : HIG

The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.

Bear Case : CFB

The primary concerns for CFB are Market Cap.

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Key Dynamics to Monitor

CFB profiles as a mature stock while HIG is a value play — different risk/reward profiles.

CFB carries more volatility with a beta of 1.12 — expect wider price swings.

CFB is growing revenue faster at 13.9% — sustainability is the question.

HIG generates stronger free cash flow (1.0B), providing more financial flexibility.

Bottom Line

HIG scores higher overall (77/100 vs 66/100). Both earn "Strong Buy" and "Strong 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.

CrossFirst Bankshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

CrossFirst Bankshares, Inc. is the banking holding company for CrossFirst Bank providing various banking and financial services to businesses, business owners, professionals, and their personal networks. The company is headquartered in Leawood, Kansas.

Hartford Financial Services Group

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.

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