WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 16166% more annual revenue ($35.53B vs $218.43M). FMNB leads profitability with a 30.4% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.33. SLF earns a higher WallStSmart Score of 67/100 (B-).

FMNB

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 7.0Value: 5.7Quality: 4.0
Piotroski: 4/9Altman Z: 0.19

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.7Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FMNB5 strengths · Avg: 10.0/10
P/E RatioValuation
10.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.4%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
47.0%10/10

Strong operational efficiency at 47.0%

Revenue GrowthGrowth
56.4%10/10

Revenue surging 56.4% year-over-year

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

FMNB4 concerns · Avg: 2.5/10
Market CapQuality
$932.56M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.6%3/10

ROE of 7.6% — below average capital efficiency

PEG RatioValuation
2.732/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.192/10

Distress zone — elevated risk

SLF0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : FMNB

The strongest argument for FMNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.4% and operating margin at 47.0%. Revenue growth of 56.4% demonstrates continued momentum.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth. PEG of 1.33 suggests the stock is reasonably priced for its growth.

Bear Case : FMNB

The primary concerns for FMNB are Market Cap, Return on Equity, PEG Ratio.

Bear Case : SLF

No major red flags identified for SLF, but monitor valuation.

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 0.80 — expect wider price swings.

FMNB is growing revenue faster at 56.4% — sustainability is the question.

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

Bottom Line

SLF scores higher overall (67/100 vs 66/100). 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.

Farmers National Banc Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

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

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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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