WallStSmart

Northwest Bancshares Inc (NWBI)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 5512% more annual revenue ($34.88B vs $621.52M). NWBI leads profitability with a 21.4% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. SLF earns a higher WallStSmart Score of 67/100 (B-).

NWBI

Buy

64

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 5.7Quality: 5.8
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

NWBI6 strengths · Avg: 9.0/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
42.4%10/10

Strong operational efficiency at 42.4%

Profit MarginProfitability
21.4%9/10

Keeps 21 of every $100 in revenue as profit

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.9x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
15.1%8/10

15.1% revenue growth

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

Earnings expanding 240.9% YoY

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.28B8/10

Generating 5.3B in free cash flow

Areas to Watch

NWBI3 concerns · Avg: 3.7/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

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

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : NWBI

The strongest argument for NWBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 21.4% and operating margin at 42.4%. Revenue growth of 15.1% 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 : NWBI

The primary concerns for NWBI are PEG Ratio, EPS Growth, Return on Equity.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

NWBI profiles as a growth stock while SLF is a value play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.79 — expect wider price swings.

NWBI is growing revenue faster at 15.1% — sustainability is the question.

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

Bottom Line

SLF scores higher overall (67/100 vs 64/100). 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.

Northwest Bancshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Northwest Bancshares, Inc. is a Northwest Bank holding company offering a variety of personal and business banking solutions. The company is headquartered in Warren, Pennsylvania.

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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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