Hartford Financial Services Group (HIG)vsPatriot National Bancorp Inc (PNBK)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
PNBK
Patriot National Bancorp Inc
$1.05
-0.94%
FINANCIAL SERVICES · Cap: $135.24M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 88011% more annual revenue ($28.79B vs $32.68M). HIG leads profitability with a 14.1% profit margin vs -35.8%. HIG trades at a lower P/E of 9.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
PNBK
Avoid33
out of 100
Grade: F
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 41.4% YoY
Reasonable price relative to book value
Revenue surging 76.6% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
Premium valuation, high expectations priced in
ROE of -13.0% — below average capital efficiency
Earnings declined 48.0%
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 : PNBK
The strongest argument for PNBK centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 76.6% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : PNBK
The primary concerns for PNBK are Market Cap, P/E Ratio, Return on Equity. A P/E of 57.5x leaves little room for execution misses.
Key Dynamics to Monitor
HIG profiles as a value stock while PNBK is a hypergrowth play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.47 — expect wider price swings.
PNBK is growing revenue faster at 76.6% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 33/100). Both earn "Strong Buy" and "Avoid" 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 →Patriot National Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Patriot National Bancorp, Inc. is the parent company of Patriot Bank, NA providing community banking services to individuals, small and medium-sized businesses, and professionals.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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