Hartford Financial Services Group (HIG)vsBank of N.T. Butterfield & Son Ltd (NTB)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
NTB
Bank of N.T. Butterfield & Son Ltd
$54.61
-2.66%
FINANCIAL SERVICES · Cap: $2.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 4596% more annual revenue ($28.79B vs $613.12M). NTB leads profitability with a 39.3% profit margin vs 14.1%. 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+
NTB
Strong Buy75
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
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 42.7%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 24.4% YoY
Areas to Watch
No major concerns identified
Expensive relative to growth rate
4.3% revenue growth
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 : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 39.3% and operating margin at 42.7%.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : NTB
The primary concerns for NTB are PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
HIG carries more volatility with a beta of 0.53 — 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.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (77/100 vs 75/100). 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 →Bank of N.T. Butterfield & Son Ltd
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.
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