Heritage Financial Corporation (HFWA)vsHartford Financial Services Group (HIG)
HFWA
Heritage Financial Corporation
$29.29
+1.18%
FINANCIAL SERVICES · Cap: $1.15B
HIG
Hartford Financial Services Group
$133.89
+3.78%
FINANCIAL SERVICES · Cap: $35.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 10741% more annual revenue ($28.79B vs $265.57M). HFWA leads profitability with a 27.3% 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+).
HFWA
Strong Buy71
out of 100
Grade: B
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.3%
Revenue surging 37.2% year-over-year
Conservative balance sheet, low leverage
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
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 41.4% 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, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.3% and operating margin at 32.3%. Revenue growth of 37.2% 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 0.51 — expect wider price swings.
HFWA is growing revenue faster at 37.2% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 71/100). 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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