CVB Financial Corporation (CVBF)vsHartford Financial Services Group (HIG)
CVBF
CVB Financial Corporation
$22.44
+0.22%
FINANCIAL SERVICES · Cap: $3.89B
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 5021% more annual revenue ($29.32B vs $572.48M). CVBF leads profitability with a 36.1% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
CVBF
Strong Buy69
out of 100
Grade: B-
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 55.7%
Revenue surging 42.0% year-over-year
Attractively priced relative to earnings
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
Earnings declined 21.6%
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CVBF
The strongest argument for CVBF centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.1% and operating margin at 55.7%. Revenue growth of 42.0% 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 : CVBF
The primary concerns for CVBF are EPS Growth, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
CVBF profiles as a growth stock while HIG is a value play — different risk/reward profiles.
CVBF carries more volatility with a beta of 0.65 — expect wider price swings.
CVBF is growing revenue faster at 42.0% — 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 69/100). 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.
CVB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
CVB Financial Corp. The company is headquartered in Ontario, California.
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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