Hartford Financial Services Group (HIG)vsSB Financial Group Inc (SBFG)
HIG
Hartford Financial Services Group
$136.19
+1.14%
FINANCIAL SERVICES · Cap: $37.55B
SBFG
SB Financial Group Inc
$20.48
-1.35%
FINANCIAL SERVICES · Cap: $132.35M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 43864% more annual revenue ($28.38B vs $64.54M). SBFG leads profitability with a 21.6% profit margin vs 13.5%. SBFG trades at a lower P/E of 9.6x. HIG earns a higher WallStSmart Score of 81/100 (A-).
HIG
Exceptional Buy81
out of 100
Grade: A-
SBFG
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.2%
Fair Value
$623.38
Current Price
$136.19
$487.19 discount
Margin of Safety
+65.9%
Fair Value
$61.85
Current Price
$20.48
$41.37 discount
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 20.0%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 31.4%
Keeps 22 of every $100 in revenue as profit
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
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 : SBFG
The strongest argument for SBFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.6% and operating margin at 31.4%.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : SBFG
The primary concerns for SBFG are Market Cap.
Key Dynamics to Monitor
HIG profiles as a value stock while SBFG is a mature play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.52 — expect wider price swings.
SBFG is growing revenue faster at 7.5% — sustainability is the question.
HIG generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (81/100 vs 63/100). SBFG offers better value entry with a 65.9% margin of safety. Both earn "Exceptional Buy" and "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 →SB Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.
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