Hartford Financial Services Group (HIG)vsLakeland Financial Corporation (LKFN)
HIG
Hartford Financial Services Group
$133.99
-2.26%
FINANCIAL SERVICES · Cap: $34.77B
LKFN
Lakeland Financial Corporation
$61.15
-0.36%
FINANCIAL SERVICES · Cap: $1.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 10525% more annual revenue ($29.59B vs $278.46M). LKFN leads profitability with a 40.8% 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+
LKFN
Strong Buy69
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 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 51.0%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
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. 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 : LKFN
The strongest argument for LKFN centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 40.8% and operating margin at 51.0%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : LKFN
The primary concerns for LKFN are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while LKFN is a mature play — different risk/reward profiles.
LKFN carries more volatility with a beta of 0.76 — expect wider price swings.
LKFN is growing revenue faster at 7.1% — sustainability is the question.
HIG generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 69/100), backed by strong 15.6% margins. 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 →Lakeland Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lakeland Financial Corporation is the banking holding company for Lake City Bank offering various banking products and services. The company is headquartered in Warsaw, Indiana.
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