WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 10689% more annual revenue ($35.53B vs $329.29M). CCNE leads profitability with a 29.2% profit margin vs 9.5%. 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: 4.0
Piotroski: 2/9Altman Z: -0.67

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

CCNE6 strengths · Avg: 9.5/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.3%10/10

Strong operational efficiency at 43.3%

Revenue GrowthGrowth
51.0%10/10

Revenue surging 51.0% year-over-year

Profit MarginProfitability
29.2%9/10

Keeps 29 of every $100 in revenue as profit

EPS GrowthGrowth
49.2%8/10

Earnings expanding 49.2% YoY

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

CCNE3 concerns · Avg: 2.7/10
Market CapQuality
$1.03B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.672/10

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 : CCNE

The strongest argument for CCNE centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.2% and operating margin at 43.3%. Revenue growth of 51.0% demonstrates continued momentum.

Bull Case : SLF

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

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 0.82 — expect wider price swings.

CCNE is growing revenue faster at 51.0% — sustainability is the question.

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

Bottom Line

CCNE scores higher overall (80/100 vs 65/100), backed by strong 29.2% margins and 51.0% 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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