Hartford Financial Services Group (HIG)vsUnited Security Bancshares (UBFO)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
UBFO
United Security Bancshares
$10.51
0.00%
FINANCIAL SERVICES · Cap: $185.03M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 59530% more annual revenue ($28.79B vs $48.28M). UBFO leads profitability with a 25.5% profit margin vs 14.1%. HIG trades at a lower P/E of 9.6x. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
UBFO
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 23 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Reasonable price relative to book value
Strong operational efficiency at 39.2%
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
15.8% revenue growth
Earnings expanding 44.0% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
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 : UBFO
The strongest argument for UBFO centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 25.5% and operating margin at 39.2%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : UBFO
The primary concerns for UBFO are Market Cap.
Key Dynamics to Monitor
HIG profiles as a value stock while UBFO is a growth play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.53 — expect wider price swings.
UBFO is growing revenue faster at 15.8% — 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 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 →United Security Bancshares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Security Bancshares is the banking holding company for United Security Bank, a state-licensed bank that provides a variety of commercial banking services to the business and professional community and individuals in California. The company is headquartered in Fresno, California.
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