Hartford Financial Services Group (HIG)vsNorwood Financial Corp (NWFL)
HIG
Hartford Financial Services Group
$132.59
+0.40%
FINANCIAL SERVICES · Cap: $34.77B
NWFL
Norwood Financial Corp
$35.51
-0.36%
FINANCIAL SERVICES · Cap: $379.06M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 29579% more annual revenue ($29.59B vs $99.69M). NWFL leads profitability with a 28.9% profit margin vs 15.6%. 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+
NWFL
Strong Buy73
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
Strong operational efficiency at 22.6%
Reasonable price relative to book value
Strong operational efficiency at 44.9%
Revenue surging 34.7% year-over-year
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
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. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bull Case : NWFL
The strongest argument for NWFL centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 28.9% and operating margin at 44.9%. Revenue growth of 34.7% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : NWFL
The primary concerns for NWFL are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while NWFL is a growth play — different risk/reward profiles.
NWFL carries more volatility with a beta of 0.55 — expect wider price swings.
NWFL is growing revenue faster at 34.7% — 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 73/100), backed by strong 15.6% margins. 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 →Norwood Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Norwood Financial Corp. The company is headquartered in Honesdale, Pennsylvania.
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