Hartford Financial Services Group (HIG)vsMidland States Bancorp, Inc. (MSBI)
HIG
Hartford Financial Services Group
$130.04
-2.60%
FINANCIAL SERVICES · Cap: $36.60B
MSBI
Midland States Bancorp, Inc.
$34.25
+0.03%
FINANCIAL SERVICES · Cap: $684.40M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 9441% more annual revenue ($29.32B vs $307.24M). MSBI leads profitability with a 19.0% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. MSBI earns a higher WallStSmart Score of 80/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
MSBI
Strong Buy80
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 36.1% YoY
Reasonable price relative to book value
Strong operational efficiency at 37.5%
Revenue surging 34.5% year-over-year
Earnings expanding 299.1% YoY
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
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 : MSBI
The strongest argument for MSBI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 19.0% and operating margin at 37.5%. Revenue growth of 34.5% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : MSBI
The primary concerns for MSBI are Market Cap, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while MSBI is a growth play — different risk/reward profiles.
MSBI carries more volatility with a beta of 0.64 — expect wider price swings.
MSBI is growing revenue faster at 34.5% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
MSBI scores higher overall (80/100 vs 79/100), backed by strong 19.0% margins and 34.5% revenue growth. 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 →Midland States Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.
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