WallStSmart

FB Financial Corp (FBK)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 6154% more annual revenue ($34.88B vs $557.67M). FBK leads profitability with a 25.3% profit margin vs 10.2%. SLF trades at a lower P/E of 15.7x. FBK earns a higher WallStSmart Score of 71/100 (B).

FBK

Strong Buy

71

out of 100

Grade: B

Growth: 9.3Profit: 7.0Value: 5.3Quality: 5.0

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

FBK5 strengths · Avg: 9.4/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
45.8%10/10

Strong operational efficiency at 45.8%

Revenue GrowthGrowth
31.9%10/10

Revenue surging 31.9% year-over-year

Profit MarginProfitability
25.3%9/10

Keeps 25 of every $100 in revenue as profit

EPS GrowthGrowth
31.0%8/10

Earnings expanding 31.0% YoY

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

FBK1 concerns · Avg: 3.0/10
Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

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

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : FBK

The strongest argument for FBK centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.3% and operating margin at 45.8%. Revenue growth of 31.9% 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 : FBK

The primary concerns for FBK are Return on Equity.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

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

FBK carries more volatility with a beta of 0.98 — expect wider price swings.

FBK is growing revenue faster at 31.9% — sustainability is the question.

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

Bottom Line

FBK scores higher overall (71/100 vs 67/100), backed by strong 25.3% margins and 31.9% 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.

FB Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

FB Financial Corporation is a banking holding company for FirstBank offering a pool of commercial and consumer banking companies, professionals and individuals. The company is headquartered in Nashville, Tennessee.

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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