Heritage Financial Corporation (HFWA)vsHartford Financial Services Group (HIG)
HFWA
Heritage Financial Corporation
$29.41
-0.31%
FINANCIAL SERVICES · Cap: $1.21B
HIG
Hartford Financial Services Group
$141.15
-1.49%
FINANCIAL SERVICES · Cap: $38.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 9835% more annual revenue ($29.32B vs $295.08M). HFWA leads profitability with a 26.4% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).
HFWA
Strong Buy67
out of 100
Grade: B-
HIG
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 53.1% year-over-year
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 28.9%
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
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 6.5% — below average capital efficiency
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HFWA
The strongest argument for HFWA centers on Price/Book, Revenue Growth, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 28.9%. Revenue growth of 53.1% 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 : HFWA
The primary concerns for HFWA are PEG Ratio, Market Cap, Return on Equity.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
HFWA profiles as a growth stock while HIG is a value play — different risk/reward profiles.
HFWA carries more volatility with a beta of 0.49 — expect wider price swings.
HFWA is growing revenue faster at 53.1% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 vs 67/100). 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.
Heritage Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Heritage Financial Corporation is the banking holding company for Heritage Bank providing various financial services to small and medium-sized businesses and individuals in the United States. The company is headquartered in Olympia, Washington.
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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