Hartford Financial Services Group (HIG)vsNational Bank Holdings Corporation (NBHC)
HIG
Hartford Financial Services Group
$143.28
-0.85%
FINANCIAL SERVICES · Cap: $38.90B
NBHC
National Bank Holdings Corporation
$42.62
-0.54%
FINANCIAL SERVICES · Cap: $1.92B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 6382% more annual revenue ($29.32B vs $452.27M). NBHC leads profitability with a 21.8% 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+).
HIG
Strong Buy77
out of 100
Grade: B+
NBHC
Buy61
out of 100
Grade: C+
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
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 27.5%
Revenue surging 22.1% year-over-year
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 7.1% — below average capital efficiency
Earnings declined 34.1%
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 : NBHC
The strongest argument for NBHC centers on Price/Book, Profit Margin, Debt/Equity. Profitability is solid with margins at 21.8% and operating margin at 27.5%. Revenue growth of 22.1% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : NBHC
The primary concerns for NBHC are PEG Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
HIG profiles as a value stock while NBHC is a growth play — different risk/reward profiles.
NBHC carries more volatility with a beta of 0.77 — expect wider price swings.
NBHC is growing revenue faster at 22.1% — 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 61/100). 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.
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 →National Bank Holdings Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
National Bank Holdings Corporation is the banking holding company for NBH Bank offering various banking products and financial services to commercial, commercial and consumer clients in the United States. The company is headquartered in Greenwood Village, Colorado.
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