WallStSmart

Fulton Financial Corporation (FULT)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 2131% more annual revenue ($28.79B vs $1.29B). FULT leads profitability with a 30.5% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).

FULT

Strong Buy

65

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 4/9

HIG

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FULT4 strengths · Avg: 10.0/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.5%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
40.8%10/10

Strong operational efficiency at 40.8%

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

Growing faster than its price suggests

P/E RatioValuation
9.6x10/10

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

FULT3 concerns · Avg: 4.0/10
PEG RatioValuation
1.544/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.2%4/10

4.2% revenue growth

EPS GrowthGrowth
4.1%4/10

4.1% earnings growth

HIG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : FULT

The strongest argument for FULT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.5% and operating margin at 40.8%.

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 : FULT

The primary concerns for FULT are PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Key Dynamics to Monitor

FULT carries more volatility with a beta of 0.82 — 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.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HIG scores higher overall (77/100 vs 65/100). 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.

Fulton Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Fulton Financial Corporation is a financial holding company that provides banking and financial services to businesses and consumers. The company is headquartered in Lancaster, Pennsylvania.

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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