WallStSmart

Farmers National Banc Corp (FMNB)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 17896% more annual revenue ($34.90B vs $193.91M). FMNB leads profitability with a 29.5% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.42. FMNB earns a higher WallStSmart Score of 60/100 (C+).

FMNB

Buy

60

out of 100

Grade: C+

Growth: 6.7Profit: 7.0Value: 5.7Quality: 4.8
Piotroski: 4/9

SLF

Buy

51

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 5.7Quality: 6.0
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FMNB5 strengths · Avg: 9.4/10
P/E RatioValuation
9.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
46.1%10/10

Strong operational efficiency at 46.1%

Profit MarginProfitability
29.5%9/10

Keeps 30 of every $100 in revenue as profit

Revenue GrowthGrowth
27.7%8/10

Revenue surging 27.7% year-over-year

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

Areas to Watch

FMNB4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$840.26M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

PEG RatioValuation
2.732/10

Expensive relative to growth rate

SLF2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
-48.4%2/10

Earnings declined 48.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : FMNB

The strongest argument for FMNB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.5% and operating margin at 46.1%. Revenue growth of 27.7% demonstrates continued momentum.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, Free Cash Flow. PEG of 1.42 suggests the stock is reasonably priced for its growth.

Bear Case : FMNB

The primary concerns for FMNB are EPS Growth, Market Cap, Return on Equity.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth, EPS Growth.

Key Dynamics to Monitor

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

SLF carries more volatility with a beta of 0.83 — expect wider price swings.

FMNB is growing revenue faster at 27.7% — sustainability is the question.

SLF generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

FMNB scores higher overall (60/100 vs 51/100), backed by strong 29.5% margins and 27.7% revenue growth. Both earn "Buy" and "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.

Farmers National Banc Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Farmers National Banc Corp. The company is headquartered in Canfield, 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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