Hartford Financial Services Group (HIG)vsIndependent Bank (INDB)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
INDB
Independent Bank
$79.57
+1.05%
FINANCIAL SERVICES · Cap: $4.02B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 3186% more annual revenue ($28.79B vs $876.23M). INDB leads profitability with a 27.5% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
INDB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Strong operational efficiency at 47.5%
Revenue surging 51.6% year-over-year
Earnings expanding 56.7% YoY
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Distress zone — elevated risk
ROE of 6.8% — below average capital efficiency
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : INDB
The strongest argument for INDB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.5% and operating margin at 47.5%. Revenue growth of 51.6% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : INDB
The primary concerns for INDB are Return on Equity, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
HIG profiles as a value stock while INDB is a growth play — different risk/reward profiles.
INDB carries more volatility with a beta of 0.80 — expect wider price swings.
INDB is growing revenue faster at 51.6% — 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 73/100). 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.
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 →Independent Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Independent Bank Corp. The company is headquartered in Rockland, Massachusetts.
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