Hartford Financial Services Group (HIG)vsOP Bancorp (OPBK)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
OPBK
OP Bancorp
$15.36
+0.66%
FINANCIAL SERVICES · Cap: $226.53M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 30081% more annual revenue ($29.32B vs $97.13M). OPBK leads profitability with a 29.8% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. OPBK earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
OPBK
Strong Buy79
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 47.3%
Keeps 30 of every $100 in revenue as profit
Growing faster than its price suggests
15.1% revenue growth
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : OPBK
The strongest argument for OPBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.8% and operating margin at 47.3%. Revenue growth of 15.1% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : OPBK
The primary concerns for OPBK are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while OPBK is a growth play — different risk/reward profiles.
OPBK carries more volatility with a beta of 0.59 — expect wider price swings.
OPBK is growing revenue faster at 15.1% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 79/100). 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 →OP Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OP Bancorp is Open Bank's banking holding company offering banking products and services in California. The company is headquartered in Los Angeles, California.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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