WallStSmart

Fulton Financial Corporation (FULT)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 2605% more annual revenue ($34.90B vs $1.29B). FULT leads profitability with a 30.5% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.42. FULT earns a higher WallStSmart Score of 65/100 (B-).

FULT

Strong Buy

65

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 5/9Altman Z: -0.62

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

FULT4 strengths · Avg: 10.0/10
P/E RatioValuation
11.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.5%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
40.8%10/10

Strong operational efficiency at 40.8%

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

FULT4 concerns · Avg: 3.5/10
PEG RatioValuation
1.544/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.2%4/10

4.2% revenue growth

EPS GrowthGrowth
4.1%4/10

4.1% earnings growth

Altman Z-ScoreHealth
-0.622/10

Distress zone — elevated risk

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 : FULT

The strongest argument for FULT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.5% and operating margin at 40.8%.

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 : FULT

The primary concerns for FULT are PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : SLF

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

Key Dynamics to Monitor

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

FULT is growing revenue faster at 4.2% — sustainability is the question.

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

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FULT scores higher overall (65/100 vs 51/100), backed by strong 30.5% margins. Both earn "Strong 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.

Fulton Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Fulton Financial Corporation is a financial holding company that provides banking and financial services to businesses and consumers. The company is headquartered in Lancaster, Pennsylvania.

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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