WallStSmart

Haverty Furniture Companies Inc (HVT)vsZumiez Inc (ZUMZ)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Zumiez Inc generates 20% more annual revenue ($938.06M vs $780.39M). HVT leads profitability with a 2.9% profit margin vs 1.5%. HVT appears more attractively valued with a PEG of 0.75. HVT earns a higher WallStSmart Score of 64/100 (C+).

HVT

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 4.0Value: 5.3Quality: 6.5
Piotroski: 4/9Altman Z: 2.96

ZUMZ

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 3.5Value: 7.3Quality: 6.5
Piotroski: 4/9Altman Z: 2.46
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVTSignificantly Overvalued (-47.8%)

Margin of Safety

-47.8%

Fair Value

$17.81

Current Price

$27.60

$9.79 premium

UndervaluedFair: $17.81Overvalued
ZUMZUndervalued (+28.2%)

Margin of Safety

+28.2%

Fair Value

$33.62

Current Price

$14.55

$19.07 discount

UndervaluedFair: $33.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT3 strengths · Avg: 9.3/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

PEG RatioValuation
0.758/10

Growing faster than its price suggests

ZUMZ3 strengths · Avg: 8.7/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

PEG RatioValuation
0.968/10

Growing faster than its price suggests

EPS GrowthGrowth
49.1%8/10

Earnings expanding 49.1% YoY

Areas to Watch

HVT4 concerns · Avg: 3.0/10
Market CapQuality
$435.06M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.0%3/10

ROE of 4.0% — below average capital efficiency

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Operating MarginProfitability
3.4%3/10

Operating margin of 3.4%

ZUMZ4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.9%4/10

4.9% revenue growth

Market CapQuality
$304.21M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.1%3/10

ROE of 4.1% — below average capital efficiency

Profit MarginProfitability
1.5%3/10

1.5% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT

The strongest argument for HVT centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.

Bull Case : ZUMZ

The strongest argument for ZUMZ centers on Price/Book, PEG Ratio, EPS Growth. PEG of 0.96 suggests the stock is reasonably priced for its growth.

Bear Case : HVT

The primary concerns for HVT are Market Cap, Return on Equity, Profit Margin. Thin 2.9% margins leave little buffer for downturns.

Bear Case : ZUMZ

The primary concerns for ZUMZ are Revenue Growth, Market Cap, Return on Equity. Thin 1.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

HVT carries more volatility with a beta of 1.18 — expect wider price swings.

HVT is growing revenue faster at 7.7% — sustainability is the question.

HVT generates stronger free cash flow (18M), providing more financial flexibility.

Monitor HOME IMPROVEMENT RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HVT scores higher overall (64/100 vs 61/100). ZUMZ offers better value entry with a 28.2% margin of safety. Both earn "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.

Haverty Furniture Companies Inc

CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA

Haverty Furniture Companies, Inc. is a specialty retailer of residential furniture and accessories in the United States. The company is headquartered in Atlanta, Georgia.

Zumiez Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Zumiez Inc., is a specialty retailer of clothing, footwear, accessories and durable goods for young men and women. The company is headquartered in Lynnwood, Washington.

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