Hartford Financial Services Group (HIG)vsUnited Bankshares Inc (UBSI)
HIG
Hartford Financial Services Group
$145.68
+1.58%
FINANCIAL SERVICES · Cap: $38.45B
UBSI
United Bankshares Inc
$48.88
-0.24%
FINANCIAL SERVICES · Cap: $6.56B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 2237% more annual revenue ($28.79B vs $1.23B). UBSI leads profitability with a 41.0% 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+
UBSI
Strong Buy73
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 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
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 52.1%
Earnings expanding 50.6% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
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 : UBSI
The strongest argument for UBSI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 41.0% and operating margin at 52.1%. Revenue growth of 10.6% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : UBSI
The primary concerns for UBSI are PEG Ratio.
Key Dynamics to Monitor
HIG profiles as a value stock while UBSI is a mature play — different risk/reward profiles.
UBSI carries more volatility with a beta of 0.73 — expect wider price swings.
UBSI is growing revenue faster at 10.6% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 vs 73/100). 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 →United Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. The company is headquartered in Charleston, West Virginia.
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