Hartford Financial Services Group (HIG)vsPathfinder Bancorp Inc (PBHC)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
PBHC
Pathfinder Bancorp Inc
$17.21
+0.06%
FINANCIAL SERVICES · Cap: $99.14M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 86662% more annual revenue ($29.32B vs $33.79M). HIG leads profitability with a 14.9% profit margin vs 0.4%. HIG trades at a lower P/E of 9.4x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
PBHC
Buy58
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 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
Revenue surging 47.1% year-over-year
Earnings expanding 8256.0% YoY
Strong operational efficiency at 29.4%
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
0.4% margin — thin
Elevated debt levels
Weak financial health signals
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 : PBHC
The strongest argument for PBHC centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 47.1% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : PBHC
The primary concerns for PBHC are Market Cap, Profit Margin, Debt/Equity. A P/E of 1579.0x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
HIG profiles as a value stock while PBHC is a hypergrowth play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.45 — expect wider price swings.
PBHC is growing revenue faster at 47.1% — 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 58/100). 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 →Pathfinder Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Pathfinder Bancorp, Inc. is a portfolio company of Pathfinder Bank offering various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company is headquartered in Oswego, New York.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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