Hartford Financial Services Group (HIG)vsLCNB Corporation (LCNB)
HIG
Hartford Financial Services Group
$143.60
+1.09%
FINANCIAL SERVICES · Cap: $38.90B
LCNB
LCNB Corporation
$19.68
-3.58%
FINANCIAL SERVICES · Cap: $290.21M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 31752% more annual revenue ($29.32B vs $92.03M). LCNB leads profitability with a 26.7% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
LCNB
Buy61
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
Earnings expanding 36.1% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.2%
Keeps 27 of every $100 in revenue as profit
Earnings expanding 29.1% YoY
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : LCNB
The strongest argument for LCNB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.7% and operating margin at 39.2%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : LCNB
The primary concerns for LCNB are Market Cap, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while LCNB is a mature play — different risk/reward profiles.
LCNB carries more volatility with a beta of 0.59 — expect wider price swings.
LCNB is growing revenue faster at 9.2% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 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.
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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