WallStSmart

Hartford Financial Services Group (HIG)vsWesBanco, Inc. (WSBC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 2675% more annual revenue ($28.79B vs $1.04B). WSBC leads profitability with a 30.9% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. WSBC earns a higher WallStSmart Score of 80/100 (B+).

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.0
Piotroski: 6/9Altman Z: 1.23

WSBC

Strong Buy

80

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 7.0Quality: 6.0
Piotroski: 4/9Altman Z: 0.21

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
9.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
21.5%9/10

Every $100 of equity generates 22 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

WSBC5 strengths · Avg: 10.0/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.9%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
49.2%10/10

Strong operational efficiency at 49.2%

Revenue GrowthGrowth
107.7%10/10

Revenue surging 107.7% year-over-year

Areas to Watch

HIG1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.232/10

Distress zone — elevated risk

WSBC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.212/10

Distress zone — elevated risk

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 : WSBC

The strongest argument for WSBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.9% and operating margin at 49.2%. Revenue growth of 107.7% demonstrates continued momentum.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Bear Case : WSBC

The primary concerns for WSBC are Altman Z-Score.

Key Dynamics to Monitor

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

WSBC carries more volatility with a beta of 0.71 — expect wider price swings.

WSBC is growing revenue faster at 107.7% — sustainability is the question.

HIG generates stronger free cash flow (1.0B), providing more financial flexibility.

Bottom Line

WSBC scores higher overall (80/100 vs 79/100), backed by strong 30.9% margins and 107.7% revenue growth. 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.

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WesBanco, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

WesBanco, Inc. is the banking holding company for WesBanco Bank, Inc. offering retail banking, corporate banking, personal and corporate trust, brokerage, mortgage banking, and insurance services. The company is headquartered in Wheeling, West Virginia.

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