Hartford Financial Services Group (HIG)vsSB Financial Group Inc (SBFG)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
SBFG
SB Financial Group Inc
$22.10
+5.11%
FINANCIAL SERVICES · Cap: $143.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 43317% more annual revenue ($28.79B vs $66.31M). SBFG leads profitability with a 24.3% profit margin vs 14.1%. SBFG trades at a lower P/E of 9.0x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
SBFG
Buy65
out of 100
Grade: C+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 108.5% YoY
Keeps 24 of every $100 in revenue as profit
Strong operational efficiency at 28.8%
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : SBFG
The strongest argument for SBFG centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.3% and operating margin at 28.8%. Revenue growth of 11.8% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : SBFG
The primary concerns for SBFG are Market Cap, Free Cash Flow, Altman Z-Score.
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 0.47 — expect wider price swings.
SBFG is growing revenue faster at 11.8% — 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 65/100). Both earn "Strong 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.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?