Hartford Financial Services Group (HIG)vsOld Second Bancorp Inc (OSBC)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
OSBC
Old Second Bancorp Inc
$20.61
+0.49%
FINANCIAL SERVICES · Cap: $1.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 8761% more annual revenue ($28.79B vs $324.91M). OSBC leads profitability with a 26.5% 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+
OSBC
Strong Buy72
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
Reasonable price relative to book value
Strong operational efficiency at 42.5%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
19.2% revenue growth
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Smaller company, higher risk/reward
Weak financial health signals
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 : OSBC
The strongest argument for OSBC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.5% and operating margin at 42.5%. Revenue growth of 19.2% demonstrates continued momentum.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : OSBC
The primary concerns for OSBC are PEG Ratio, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while OSBC is a growth play — different risk/reward profiles.
OSBC carries more volatility with a beta of 0.74 — expect wider price swings.
OSBC is growing revenue faster at 19.2% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 vs 72/100). 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 →Old Second Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old Second Bancorp, Inc. is the banking holding company for Old Second National Bank providing a range of banking services. The company is headquartered in Aurora, Illinois.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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