WallStSmart

NBT Bancorp Inc (NBTB)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 4907% more annual revenue ($34.88B vs $696.57M). NBTB leads profitability with a 26.4% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. NBTB earns a higher WallStSmart Score of 74/100 (B).

NBTB

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.0Quality: 7.8
Piotroski: 4/9

SLF

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.0Value: 6.3Quality: 5.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NBTB6 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.1%10/10

Strong operational efficiency at 39.1%

Profit MarginProfitability
26.4%9/10

Keeps 26 of every $100 in revenue as profit

Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.7x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
21.6%8/10

Revenue surging 21.6% year-over-year

SLF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
240.9%10/10

Earnings expanding 240.9% YoY

P/E RatioValuation
17.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

Areas to Watch

NBTB1 concerns · Avg: 2.0/10
PEG RatioValuation
2.662/10

Expensive relative to growth rate

SLF1 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : NBTB

The strongest argument for NBTB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 39.1%. Revenue growth of 21.6% demonstrates continued momentum.

Bull Case : SLF

The strongest argument for SLF centers on EPS Growth, P/E Ratio, Price/Book. PEG of 1.18 suggests the stock is reasonably priced for its growth.

Bear Case : NBTB

The primary concerns for NBTB are PEG Ratio.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

NBTB 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.

NBTB is growing revenue faster at 21.6% — sustainability is the question.

SLF generates stronger free cash flow (5.3B), providing more financial flexibility.

Bottom Line

NBTB scores higher overall (74/100 vs 67/100), backed by strong 26.4% margins and 21.6% 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.

NBT Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.

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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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