C&F Financial Corporation (CFFI)vsHartford Financial Services Group (HIG)
CFFI
C&F Financial Corporation
$95.00
+1.47%
FINANCIAL SERVICES · Cap: $308.91M
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 21403% more annual revenue ($29.32B vs $136.33M). CFFI leads profitability with a 21.3% profit margin vs 14.9%. HIG trades at a lower P/E of 9.4x. HIG earns a higher WallStSmart Score of 79/100 (B+).
CFFI
Buy61
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 21 of every $100 in revenue as profit
Strong operational efficiency at 28.4%
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 36.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CFFI
The strongest argument for CFFI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 21.3% and operating margin at 28.4%. Revenue growth of 11.6% 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 : CFFI
The primary concerns for CFFI are Market Cap, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
CFFI profiles as a mature stock while HIG is a value play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.45 — expect wider price swings.
CFFI is growing revenue faster at 11.6% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 61/100). 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.
C&F Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
C&F Financial Corporation is the banking holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company is headquartered in Toano, Virginia.
Visit Website →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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