Bank of N.T. Butterfield & Son Ltd (NTB)vsSun Life Financial Inc. (SLF)
NTB
Bank of N.T. Butterfield & Son Ltd
$60.24
+0.32%
FINANCIAL SERVICES · Cap: $2.35B
SLF
Sun Life Financial Inc.
$79.67
+0.14%
FINANCIAL SERVICES · Cap: $45.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 5583% more annual revenue ($35.53B vs $625.16M). NTB leads profitability with a 37.5% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.61. NTB earns a higher WallStSmart Score of 67/100 (B-).
NTB
Strong Buy67
out of 100
Grade: B-
SLF
Strong Buy65
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 32.1%
Conservative balance sheet, low leverage
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Expensive relative to growth rate
Earnings declined 7.2%
Distress zone — elevated risk
Expensive relative to growth rate
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 37.5% and operating margin at 32.1%.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth.
Bear Case : NTB
The primary concerns for NTB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio.
Key Dynamics to Monitor
NTB profiles as a mature 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.
NTB is growing revenue faster at 8.2% — sustainability is the question.
SLF generates stronger free cash flow (90M), providing more financial flexibility.
Bottom Line
NTB scores higher overall (67/100 vs 65/100), backed by strong 37.5% 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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