Capital Bancorp (CBNK)vsHartford Financial Services Group (HIG)
CBNK
Capital Bancorp
$32.66
+0.21%
FINANCIAL SERVICES · Cap: $531.97M
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 12245% more annual revenue ($28.79B vs $233.23M). CBNK leads profitability with a 23.7% profit margin vs 14.1%. HIG trades at a lower P/E of 9.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
CBNK
Buy53
out of 100
Grade: C-
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.7%
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
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 11.0%
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CBNK
The strongest argument for CBNK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 23.7% and operating margin at 26.7%.
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.
Bear Case : CBNK
The primary concerns for CBNK are Market Cap, EPS Growth, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
CBNK profiles as a mature stock while HIG is a value play — different risk/reward profiles.
CBNK carries more volatility with a beta of 0.55 — expect wider price swings.
HIG is growing revenue faster at 6.1% — 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 53/100). 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.
Capital Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Capital Bancorp, Inc. is the banking holding company for Capital Bank, NA that offers various banking products and services to businesses, nonprofits and entrepreneurs in the United States. The company is headquartered in Rockville, Maryland.
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 →Compare with Other BANKS - REGIONAL Stocks
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