Hartford Financial Services Group (HIG)vsIndependent Bank (INDB)
HIG
Hartford Financial Services Group
$130.04
-2.60%
FINANCIAL SERVICES · Cap: $36.60B
INDB
Independent Bank
$82.72
-0.64%
FINANCIAL SERVICES · Cap: $3.78B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 2835% more annual revenue ($29.32B vs $998.92M). INDB leads profitability with a 32.7% 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+).
HIG
Strong Buy79
out of 100
Grade: B+
INDB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 49.2%
Earnings expanding 176.9% YoY
Conservative balance sheet, low leverage
Areas to Watch
Distress zone — elevated risk
ROE of 6.8% — below average capital efficiency
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : INDB
The strongest argument for INDB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.7% and operating margin at 49.2%. Revenue growth of 24.5% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : INDB
The primary concerns for INDB are Return on Equity, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
HIG profiles as a value stock while INDB is a growth play — different risk/reward profiles.
INDB carries more volatility with a beta of 0.80 — expect wider price swings.
INDB is growing revenue faster at 24.5% — 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 73/100). 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.
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 →Independent Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Independent Bank Corp. The company is headquartered in Rockland, Massachusetts.
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