Civista Bancshares Inc (CIVB)vsSun Life Financial Inc. (SLF)
CIVB
Civista Bancshares Inc
$28.90
-1.20%
FINANCIAL SERVICES · Cap: $587.96M
SLF
Sun Life Financial Inc.
$82.77
+0.61%
FINANCIAL SERVICES · Cap: $46.60B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 19506% more annual revenue ($34.90B vs $177.99M). CIVB leads profitability with a 28.7% profit margin vs 8.8%. CIVB appears more attractively valued with a PEG of 1.37. CIVB earns a higher WallStSmart Score of 72/100 (B).
CIVB
Strong Buy72
out of 100
Grade: B
SLF
Hold49
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 40.0%
Keeps 29 of every $100 in revenue as profit
Revenue surging 22.6% year-over-year
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : CIVB
The strongest argument for CIVB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 40.0%. Revenue growth of 22.6% demonstrates continued momentum.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow.
Bear Case : CIVB
The primary concerns for CIVB are Market Cap, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
CIVB 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.
CIVB is growing revenue faster at 22.6% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
CIVB scores higher overall (72/100 vs 49/100), backed by strong 28.7% margins and 22.6% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Civista Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Civista Bancshares, Inc. is Civista Bank's financial holding company providing community banking services. The company is headquartered in Sandusky, Ohio.
Visit Website →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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