Hartford Financial Services Group (HIG)vsOrrstown Financial Services Inc (ORRF)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
ORRF
Orrstown Financial Services Inc
$36.74
+0.57%
FINANCIAL SERVICES · Cap: $729.27M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 11174% more annual revenue ($28.79B vs $255.37M). ORRF leads profitability with a 33.1% profit margin vs 14.1%. ORRF trades at a lower P/E of 8.5x. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
ORRF
Buy64
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 23 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 47.2%
Earnings expanding 20.4% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
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 : ORRF
The strongest argument for ORRF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.1% and operating margin at 47.2%.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : ORRF
The primary concerns for ORRF are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while ORRF is a mature play — different risk/reward profiles.
ORRF carries more volatility with a beta of 0.75 — expect wider price swings.
HIG is growing revenue faster at 6.1% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 vs 64/100). 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 →Orrstown Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Orrstown Financial Services, Inc. is the holding company of Orrstown Bank providing trust and commercial banking services in the United States. The company is headquartered in Shippensburg, Pennsylvania.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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