Hartford Financial Services Group (HIG)vsNorthrim BanCorp Inc (NRIM)
HIG
Hartford Financial Services Group
$130.04
-2.60%
FINANCIAL SERVICES · Cap: $36.60B
NRIM
Northrim BanCorp Inc
$23.98
+1.01%
FINANCIAL SERVICES · Cap: $530.76M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 14356% more annual revenue ($29.32B vs $202.78M). NRIM leads profitability with a 27.6% profit margin vs 14.9%. HIG trades at a lower P/E of 9.6x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
NRIM
Buy56
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.1%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 20.0%
Earnings declined 47.5%
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 : NRIM
The strongest argument for NRIM centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 37.1%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : NRIM
The primary concerns for NRIM are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HIG profiles as a value stock while NRIM is a declining play — different risk/reward profiles.
NRIM carries more volatility with a beta of 0.92 — expect wider price swings.
HIG is growing revenue faster at 8.1% — 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 56/100). 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 →Northrim BanCorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northrim BanCorp, Inc. is the banking holding company for Northrim Bank offering commercial banking products and services to businesses and professionals. The company is headquartered in Anchorage, Alaska.
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