Hartford Financial Services Group (HIG)vsM&T Bank Corporation (MTB)
HIG
Hartford Financial Services Group
$137.09
-0.74%
FINANCIAL SERVICES · Cap: $34.77B
MTB
M&T Bank Corporation
$219.78
-2.16%
FINANCIAL SERVICES · Cap: $31.64B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 213% more annual revenue ($29.59B vs $9.46B). MTB leads profitability with a 31.9% 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+
MTB
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 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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 43.1%
Generating 1.2B in free cash flow
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
0.5% revenue growth
4.6% earnings growth
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 : MTB
The strongest argument for MTB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.9% and operating margin at 43.1%. PEG of 1.31 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 : MTB
The primary concerns for MTB are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
MTB carries more volatility with a beta of 0.61 — expect wider price swings.
HIG is growing revenue faster at 3.9% — sustainability is the question.
MTB generates stronger free cash flow (1.2B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
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 →M&T Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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