Hartford Financial Services Group (HIG)vsNBT Bancorp Inc (NBTB)
HIG
Hartford Financial Services Group
$143.28
-0.85%
FINANCIAL SERVICES · Cap: $38.90B
NBTB
NBT Bancorp Inc
$52.66
-0.47%
FINANCIAL SERVICES · Cap: $2.72B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 4108% more annual revenue ($29.32B vs $696.57M). NBTB 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+).
HIG
Strong Buy77
out of 100
Grade: B+
NBTB
Strong Buy74
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
Reasonable price relative to book value
Strong operational efficiency at 40.6%
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 21.6% year-over-year
Areas to Watch
Distress zone — elevated risk
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 : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 40.6%. Revenue growth of 21.6% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : NBTB
The primary concerns for NBTB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while NBTB is a growth play — different risk/reward profiles.
NBTB carries more volatility with a beta of 0.49 — expect wider price swings.
NBTB is growing revenue faster at 21.6% — 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 74/100). 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 →NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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