WallStSmart

CNB Financial Corporation (CCNE)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 11515% more annual revenue ($34.88B vs $300.29M). CCNE leads profitability with a 27.2% profit margin vs 10.2%. CCNE appears more attractively valued with a PEG of 1.06. CCNE earns a higher WallStSmart Score of 80/100 (A-).

CCNE

Exceptional Buy

80

out of 100

Grade: A-

Growth: 9.3Profit: 7.5Value: 7.0Quality: 6.5
Piotroski: 3/9Altman Z: 1.21

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.0Value: 6.3Quality: 5.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CCNE6 strengths · Avg: 9.8/10
P/E RatioValuation
10.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
42.4%10/10

Strong operational efficiency at 42.4%

Revenue GrowthGrowth
48.6%10/10

Revenue surging 48.6% year-over-year

EPS GrowthGrowth
76.9%10/10

Earnings expanding 76.9% YoY

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

SLF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
240.9%10/10

Earnings expanding 240.9% YoY

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

Areas to Watch

CCNE3 concerns · Avg: 2.7/10
Market CapQuality
$894.10M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
1.212/10

Distress zone — elevated risk

SLF1 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : CCNE

The strongest argument for CCNE centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.2% and operating margin at 42.4%. Revenue growth of 48.6% demonstrates continued momentum.

Bull Case : SLF

The strongest argument for SLF centers on EPS Growth, P/E Ratio, Price/Book. PEG of 1.18 suggests the stock is reasonably priced for its growth.

Bear Case : CCNE

The primary concerns for CCNE are Market Cap, Piotroski F-Score, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

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

SLF carries more volatility with a beta of 0.79 — expect wider price swings.

CCNE is growing revenue faster at 48.6% — sustainability is the question.

SLF generates stronger free cash flow (5.3B), providing more financial flexibility.

Bottom Line

CCNE scores higher overall (80/100 vs 67/100), backed by strong 27.2% margins and 48.6% revenue growth. Both earn "Exceptional 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.

CNB Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

CNB Financial Corporation is the banking holding company for CNB Bank offering a range of banking products and services for individual, commercial, government and institutional clients. The company is headquartered in Clearfield, Pennsylvania.

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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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