Cullen/Frost Bankers Inc (CFR)vsHartford Financial Services Group (HIG)
CFR
Cullen/Frost Bankers Inc
$142.80
-0.45%
FINANCIAL SERVICES · Cap: $8.99B
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1214% more annual revenue ($28.79B vs $2.19B). CFR leads profitability with a 29.6% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).
CFR
Buy64
out of 100
Grade: C+
HIG
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 34.5%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 23 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : CFR
The strongest argument for CFR centers on Operating Margin, Profit Margin, P/E Ratio. Profitability is solid with margins at 29.6% and operating margin at 34.5%.
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 : CFR
The primary concerns for CFR are PEG Ratio, Piotroski F-Score.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Key Dynamics to Monitor
CFR profiles as a mature stock while HIG is a value play — different risk/reward profiles.
CFR carries more volatility with a beta of 0.61 — expect wider price swings.
CFR is growing revenue faster at 9.5% — 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 64/100). 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.
Cullen/Frost Bankers Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Cullen / Frost Bankers, Inc. is the banking holding company for Frost Bank offering commercial and consumer banking services in Texas. The company is headquartered in San Antonio, Texas.
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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