First Bancorp (FBNC)vsSun Life Financial Inc. (SLF)
FBNC
First Bancorp
$64.72
+0.08%
FINANCIAL SERVICES · Cap: $2.60B
SLF
Sun Life Financial Inc.
$82.63
+0.88%
FINANCIAL SERVICES · Cap: $46.60B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 8397% more annual revenue ($34.90B vs $410.72M). FBNC leads profitability with a 32.4% profit margin vs 8.8%. FBNC appears more attractively valued with a PEG of 1.56. FBNC earns a higher WallStSmart Score of 73/100 (B).
FBNC
Strong Buy73
out of 100
Grade: B
SLF
Hold49
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 51.2%
Conservative balance sheet, low leverage
Reasonable price relative to book value
15.9% revenue growth
Earnings expanding 31.1% YoY
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : FBNC
The strongest argument for FBNC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 32.4% and operating margin at 51.2%. Revenue growth of 15.9% demonstrates continued momentum.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book.
Bear Case : FBNC
The primary concerns for FBNC are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
FBNC 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.
FBNC is growing revenue faster at 15.9% — sustainability is the question.
FBNC generates stronger free cash flow (125M), providing more financial flexibility.
Bottom Line
FBNC scores higher overall (73/100 vs 49/100), backed by strong 32.4% margins and 15.9% 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.
First Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.
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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