Hartford Financial Services Group (HIG)vsBank of N.T. Butterfield & Son Ltd (NTB)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
NTB
Bank of N.T. Butterfield & Son Ltd
$60.24
+0.32%
FINANCIAL SERVICES · Cap: $2.35B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 4589% more annual revenue ($29.32B vs $625.16M). NTB leads profitability with a 37.5% profit margin vs 14.9%. 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+
NTB
Strong Buy67
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
Attractively priced relative to earnings
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 32.1%
Conservative balance sheet, low leverage
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Earnings declined 7.2%
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 : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 37.5% and operating margin at 32.1%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : NTB
The primary concerns for NTB are PEG Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while NTB is a mature play — different risk/reward profiles.
NTB carries more volatility with a beta of 0.49 — expect wider price swings.
NTB is growing revenue faster at 8.2% — 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 67/100). 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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