Bank of N.T. Butterfield & Son Ltd (NTB)vsSun Life Financial Inc. (SLF)
NTB
Bank of N.T. Butterfield & Son Ltd
$54.61
-2.66%
FINANCIAL SERVICES · Cap: $2.16B
SLF
Sun Life Financial Inc.
$72.08
+2.23%
FINANCIAL SERVICES · Cap: $39.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 5589% more annual revenue ($34.88B vs $613.12M). NTB leads profitability with a 39.3% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. NTB earns a higher WallStSmart Score of 75/100 (B+).
NTB
Strong Buy75
out of 100
Grade: B+
SLF
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 42.7%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 24.4% YoY
Earnings expanding 240.9% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 5.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
4.3% revenue growth
4.7% revenue growth
Comparative Analysis Report
WallStSmart ResearchBull Case : NTB
The strongest argument for NTB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 39.3% and operating margin at 42.7%.
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 : NTB
The primary concerns for NTB are PEG Ratio, Revenue Growth.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth.
Key Dynamics to Monitor
SLF carries more volatility with a beta of 0.79 — expect wider price swings.
SLF is growing revenue faster at 4.7% — sustainability is the question.
SLF generates stronger free cash flow (5.3B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NTB scores higher overall (75/100 vs 67/100), backed by strong 39.3% margins. 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.
Bank of N.T. Butterfield & Son Ltd
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.
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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