WallStSmart

Camden National Corporation (CAC)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 13671% more annual revenue ($35.53B vs $257.99M). CAC leads profitability with a 34.4% profit margin vs 9.5%. CAC trades at a lower P/E of 11.5x. CAC earns a higher WallStSmart Score of 72/100 (B).

CAC

Strong Buy

72

out of 100

Grade: B

Growth: 9.3Profit: 7.5Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: 0.34

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CAC6 strengths · Avg: 9.7/10
P/E RatioValuation
11.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
34.4%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
47.3%10/10

Strong operational efficiency at 47.3%

EPS GrowthGrowth
62.7%10/10

Earnings expanding 62.7% YoY

Revenue GrowthGrowth
20.5%8/10

Revenue surging 20.5% year-over-year

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

CAC2 concerns · Avg: 2.5/10
Market CapQuality
$1.00B3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
0.342/10

Distress zone — elevated risk

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CAC

The strongest argument for CAC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.4% and operating margin at 47.3%. Revenue growth of 20.5% demonstrates continued momentum.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : CAC

The primary concerns for CAC are Market Cap, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

CAC profiles as a growth stock while SLF is a value play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.82 — expect wider price swings.

CAC is growing revenue faster at 20.5% — sustainability is the question.

SLF generates stronger free cash flow (90M), providing more financial flexibility.

Bottom Line

CAC scores higher overall (72/100 vs 65/100), backed by strong 34.4% margins and 20.5% revenue growth. Both earn "Strong Buy" and "Strong 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.

Camden National Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Camden National Corporation is the banking holding company for Camden National Bank offering commercial and consumer banking products and services to consumer, institutional, municipal, non-profit and commercial clients. The company is headquartered in Camden, Maine.

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Sun Life Financial Inc.

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.

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