Hartford Financial Services Group (HIG)vsM&T Bank Corporation (MTB)
HIG
Hartford Financial Services Group
$132.02
-0.49%
FINANCIAL SERVICES · Cap: $36.37B
MTB
M&T Bank Corporation
$212.14
-0.41%
FINANCIAL SERVICES · Cap: $31.20B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 209% more annual revenue ($28.79B vs $9.31B). MTB leads profitability with a 31.5% 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+).
HIG
Strong Buy79
out of 100
Grade: B+
MTB
Strong Buy77
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 23 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 38.9%
Earnings expanding 24.4% YoY
Areas to Watch
No major concerns identified
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 : MTB
The strongest argument for MTB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.5% and operating margin at 38.9%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : MTB
The primary concerns for MTB are Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while MTB is a mature play — different risk/reward profiles.
MTB carries more volatility with a beta of 0.59 — 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.
Bottom Line
HIG scores higher overall (79/100 vs 77/100). 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 →M&T Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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