Sun Life Financial Inc. (SLF)vsS&T Bancorp Inc (STBA)
SLF
Sun Life Financial Inc.
$78.61
-0.56%
FINANCIAL SERVICES · Cap: $43.97B
STBA
S&T Bancorp Inc
$49.84
-0.04%
FINANCIAL SERVICES · Cap: $1.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 8679% more annual revenue ($35.53B vs $404.69M). STBA leads profitability with a 34.7% profit margin vs 9.5%. STBA appears more attractively valued with a PEG of 1.23. STBA earns a higher WallStSmart Score of 69/100 (B-).
SLF
Strong Buy65
out of 100
Grade: B-
STBA
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 22.9% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SLF
The strongest argument for SLF centers on Price/Book, EPS Growth.
Bull Case : STBA
The strongest argument for STBA centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.7% and operating margin at 44.7%. PEG of 1.23 suggests the stock is reasonably priced for its growth.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio.
Bear Case : STBA
The primary concerns for STBA are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
SLF profiles as a value stock while STBA is a mature play — different risk/reward profiles.
STBA carries more volatility with a beta of 0.84 — expect wider price swings.
SLF is growing revenue faster at 7.5% — sustainability is the question.
SLF generates stronger free cash flow (90M), providing more financial flexibility.
Bottom Line
STBA scores higher overall (69/100 vs 65/100), backed by strong 34.7% 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.
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.
S&T Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.
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