Sun Life Financial Inc. (SLF)vsTrustCo Bank Corp NY (TRST)
SLF
Sun Life Financial Inc.
$82.27
-2.14%
FINANCIAL SERVICES · Cap: $46.60B
TRST
TrustCo Bank Corp NY
$55.99
-3.10%
FINANCIAL SERVICES · Cap: $977.58M
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 17817% more annual revenue ($34.90B vs $194.77M). TRST leads profitability with a 33.4% profit margin vs 8.8%. TRST appears more attractively valued with a PEG of 0.63. TRST earns a higher WallStSmart Score of 73/100 (B).
SLF
Hold49
out of 100
Grade: D+
TRST
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 4.1B in free cash flow
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.7%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
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, Free Cash Flow.
Bull Case : TRST
The strongest argument for TRST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.4% and operating margin at 46.7%. Revenue growth of 10.7% demonstrates continued momentum.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : TRST
The primary concerns for TRST are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
SLF profiles as a value stock while TRST is a mature play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.82 — expect wider price swings.
TRST is growing revenue faster at 10.7% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
TRST scores higher overall (73/100 vs 49/100), backed by strong 33.4% margins and 10.7% revenue growth. Both earn "Strong Buy" and "Hold" 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.
TrustCo Bank Corp NY
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York.
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