Civista Bancshares Inc (CIVB)vsHartford Financial Services Group (HIG)
CIVB
Civista Bancshares Inc
$27.44
+0.33%
FINANCIAL SERVICES · Cap: $570.59M
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 15881% more annual revenue ($29.32B vs $183.44M). CIVB leads profitability with a 29.6% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
CIVB
Strong Buy66
out of 100
Grade: B-
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.9%
Keeps 30 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 36.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 3.0%
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CIVB
The strongest argument for CIVB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 39.9%. Revenue growth of 13.5% 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 : CIVB
The primary concerns for CIVB are Market Cap, EPS Growth, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
CIVB profiles as a mature stock while HIG is a value play — different risk/reward profiles.
CIVB carries more volatility with a beta of 0.64 — expect wider price swings.
CIVB is growing revenue faster at 13.5% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 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.
Civista Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Civista Bancshares, Inc. is Civista Bank's financial holding company providing community banking services. The company is headquartered in Sandusky, Ohio.
Visit Website →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.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?