WallStSmart

Hartford Financial Services Group (HIG)vsSimmons First National Corporation (SFNC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 35282% more annual revenue ($28.79B vs $81.37M). HIG leads profitability with a 14.1% profit margin vs 0.0%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).

HIG

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

SFNC

Buy

60

out of 100

Grade: C

Growth: 6.7Profit: 4.5Value: 4.0Quality: 4.5
Piotroski: 2/9Altman Z: 0.07

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HIG6 strengths · Avg: 9.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

SFNC5 strengths · Avg: 9.4/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.3%10/10

Strong operational efficiency at 39.3%

EPS GrowthGrowth
82.6%10/10

Earnings expanding 82.6% YoY

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
24.1%8/10

Revenue surging 24.1% year-over-year

Areas to Watch

HIG0 concerns · Avg: 0/10

No major concerns identified

SFNC4 concerns · Avg: 2.5/10
Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.832/10

Expensive relative to growth rate

Return on EquityProfitability
-10.4%2/10

ROE of -10.4% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull 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 : SFNC

The strongest argument for SFNC centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 24.1% demonstrates continued momentum.

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Bear Case : SFNC

The primary concerns for SFNC are Profit Margin, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

HIG profiles as a value stock while SFNC is a growth play — different risk/reward profiles.

SFNC carries more volatility with a beta of 0.90 — expect wider price swings.

SFNC is growing revenue faster at 24.1% — 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 60/100). 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.

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Simmons First National Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Simmons First National Corporation is the holding company of Simmons Bank providing banking and financial products and services to individuals and businesses. The company is headquartered in Pine Bluff, Arkansas.

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