Hartford Financial Services Group (HIG)vsWestamerica Bancorporation (WABC)
HIG
Hartford Financial Services Group
$143.05
-1.81%
FINANCIAL SERVICES · Cap: $38.45B
WABC
Westamerica Bancorporation
$59.90
-0.76%
FINANCIAL SERVICES · Cap: $1.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 11316% more annual revenue ($28.79B vs $252.20M). WABC leads profitability with a 43.9% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
WABC
Buy55
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 41.4% YoY
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 60.3%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
4.5% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 2.7%
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 : WABC
The strongest argument for WABC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 43.9% and operating margin at 60.3%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : WABC
The primary concerns for WABC are EPS Growth, Market Cap, PEG Ratio.
Key Dynamics to Monitor
HIG profiles as a value stock while WABC is a declining play — different risk/reward profiles.
WABC carries more volatility with a beta of 0.55 — expect wider price swings.
HIG is growing revenue faster at 6.1% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 vs 55/100). 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 →Westamerica Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.
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