Hartford Financial Services Group (HIG)vsPeoples Bancorp of North Carolina (PEBK)
HIG
Hartford Financial Services Group
$130.04
-2.60%
FINANCIAL SERVICES · Cap: $36.60B
PEBK
Peoples Bancorp of North Carolina
$43.95
+0.50%
FINANCIAL SERVICES · Cap: $231.37M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 31905% more annual revenue ($29.32B vs $91.60M). PEBK leads profitability with a 24.0% profit margin vs 14.9%. HIG trades at a lower P/E of 9.6x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
PEBK
Buy63
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.7%
Earnings expanding 56.7% YoY
Keeps 24 of every $100 in revenue as profit
Areas to Watch
Distress zone — elevated risk
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 : PEBK
The strongest argument for PEBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.0% and operating margin at 32.7%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : PEBK
The primary concerns for PEBK are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while PEBK is a mature play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.49 — expect wider price swings.
HIG is growing revenue faster at 8.1% — 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 63/100). 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 →Peoples Bancorp of North Carolina
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Bancorp of North Carolina, Inc. is a banking holding company for Peoples Bank that provides a variety of consumer and commercial banking products and services to individuals and small and medium-sized businesses. The company is headquartered in Newton, North Carolina.
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