Hartford Financial Services Group (HIG)vsSummit State Bank (SSBI)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
SSBI
Summit State Bank
$13.39
+0.22%
FINANCIAL SERVICES · Cap: $91.77M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 88578% more annual revenue ($28.79B vs $32.47M). SSBI leads profitability with a 18.4% profit margin vs 14.1%. HIG trades at a lower P/E of 9.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
SSBI
Hold46
out of 100
Grade: D+
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 41.4% YoY
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 25.2%
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 5.8% — below average capital efficiency
Revenue declined 3.6%
Earnings declined 32.8%
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 : SSBI
The strongest argument for SSBI centers on Price/Book, Debt/Equity, P/E Ratio. Profitability is solid with margins at 18.4% and operating margin at 25.2%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : SSBI
The primary concerns for SSBI are Market Cap, Return on Equity, Revenue Growth.
Key Dynamics to Monitor
HIG profiles as a value stock while SSBI is a declining play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.47 — 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 (79/100 vs 46/100). Both earn "Strong Buy" and "Hold" 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 →Summit State Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Summit State Bank offers a variety of banking products and services to individuals and businesses primarily in Sonoma County, California. The company is headquartered in Santa Rosa, California.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?