WallStSmart

Glacier Bancorp Inc (GBCI)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 3046% more annual revenue ($35.53B vs $1.13B). GBCI leads profitability with a 27.6% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.61. GBCI earns a higher WallStSmart Score of 77/100 (B+).

GBCI

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 5.0Quality: 4.5
Piotroski: 5/9Altman Z: 1.16

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GBCI5 strengths · Avg: 9.8/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
44.3%10/10

Strong operational efficiency at 44.3%

Revenue GrowthGrowth
41.5%10/10

Revenue surging 41.5% year-over-year

EPS GrowthGrowth
66.7%10/10

Earnings expanding 66.7% YoY

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

GBCI3 concerns · Avg: 3.0/10
PEG RatioValuation
1.754/10

Expensive relative to growth rate

Return on EquityProfitability
6.3%3/10

ROE of 6.3% — below average capital efficiency

Altman Z-ScoreHealth
1.162/10

Distress zone — elevated risk

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : GBCI

The strongest argument for GBCI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.6% and operating margin at 44.3%. Revenue growth of 41.5% demonstrates continued momentum.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : GBCI

The primary concerns for GBCI are PEG Ratio, Return on Equity, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

GBCI 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.

GBCI is growing revenue faster at 41.5% — sustainability is the question.

GBCI generates stronger free cash flow (112M), providing more financial flexibility.

Bottom Line

GBCI scores higher overall (77/100 vs 65/100), backed by strong 27.6% margins and 41.5% 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.

Glacier Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Glacier Bancorp, Inc. is the bank holding company for Glacier Bank providing commercial banking services to individuals, small and medium-sized businesses, community organizations, and public entities in the United States. The company is headquartered in Kalispell, Montana.

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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