Hartford Financial Services Group (HIG)vsLCNB Corporation (LCNB)
HIG
Hartford Financial Services Group
$138.11
+2.36%
FINANCIAL SERVICES · Cap: $34.77B
LCNB
LCNB Corporation
$20.29
+3.15%
FINANCIAL SERVICES · Cap: $281.25M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 31719% more annual revenue ($29.59B vs $92.98M). LCNB leads profitability with a 26.8% profit margin vs 15.6%. 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+
LCNB
Buy57
out of 100
Grade: C
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
Strong operational efficiency at 22.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 38.6%
Keeps 27 of every $100 in revenue as profit
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
4.0% revenue growth
4.2% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bull Case : LCNB
The strongest argument for LCNB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.8% and operating margin at 38.6%.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : LCNB
The primary concerns for LCNB are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
LCNB carries more volatility with a beta of 0.58 — expect wider price swings.
LCNB is growing revenue faster at 4.0% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (79/100 vs 57/100), backed by strong 15.6% margins. 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.
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 →LCNB Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
LCNB Corp. The company is headquartered in Lebanon, Ohio.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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