WallStSmart

Flushing Financial Corporation (FFIC)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 12563% more annual revenue ($28.79B vs $227.37M). FFIC leads profitability with a 15.2% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).

FFIC

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 6.0Value: 6.3Quality: 6.5
Piotroski: 6/9Altman Z: 0.21

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.0
Piotroski: 6/9Altman Z: 1.23

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FFIC2 strengths · Avg: 9.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

P/E RatioValuation
15.4x8/10

Attractively priced relative to earnings

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

Growing faster than its price suggests

P/E RatioValuation
9.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
21.5%9/10

Every $100 of equity generates 22 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

FFIC4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
2.3%4/10

2.3% revenue growth

EPS GrowthGrowth
0.2%4/10

0.2% earnings growth

Market CapQuality
$522.49M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.0%3/10

ROE of 5.0% — below average capital efficiency

HIG1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.232/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : FFIC

The strongest argument for FFIC centers on Price/Book, P/E Ratio. Profitability is solid with margins at 15.2% and operating margin at 16.8%. PEG of 1.34 suggests the stock is reasonably priced for its growth.

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 : FFIC

The primary concerns for FFIC are Revenue Growth, EPS Growth, Market Cap.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Key Dynamics to Monitor

FFIC carries more volatility with a beta of 0.76 — expect wider price swings.

HIG is growing revenue faster at 6.1% — sustainability is the question.

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

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HIG scores higher overall (79/100 vs 58/100). 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.

Flushing Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Flushing Financial Corporation is the banking holding company for Flushing Bank offering banking products and services primarily to consumers, businesses and government units. The company is headquartered in Uniondale, New York.

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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