WallStSmart

Coastal Financial Corp (CCB)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 7824% more annual revenue ($28.79B vs $363.32M). HIG leads profitability with a 14.1% profit margin vs 13.6%. HIG trades at a lower P/E of 9.3x. HIG earns a higher WallStSmart Score of 79/100 (B+).

CCB

Buy

57

out of 100

Grade: C

Growth: 8.7Profit: 6.0Value: 5.3Quality: 7.3
Piotroski: 3/9

HIG

Strong Buy

79

out of 100

Grade: B+

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

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CCB4 strengths · Avg: 8.3/10
Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
17.0%8/10

17.0% revenue growth

EPS GrowthGrowth
23.8%8/10

Earnings expanding 23.8% YoY

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

Growing faster than its price suggests

P/E RatioValuation
9.3x10/10

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

Areas to Watch

CCB2 concerns · Avg: 3.0/10
Market CapQuality
$1.08B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CCB

The strongest argument for CCB centers on Debt/Equity, Price/Book, Revenue Growth. Revenue growth of 17.0% demonstrates continued momentum.

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 : CCB

The primary concerns for CCB are Market Cap, Piotroski F-Score.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Key Dynamics to Monitor

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

CCB carries more volatility with a beta of 0.76 — expect wider price swings.

CCB is growing revenue faster at 17.0% — 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 57/100). 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.

Coastal Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Coastal Financial Corporation is the banking holding company for Coastal Community Bank offering various banking products and services to small and medium-sized businesses, professionals and individuals in the Puget Sound region of Washington. The company is headquartered in Everett, Washington.

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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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