Sun Life Financial Inc. (SLF)vsTrustCo Bank Corp NY (TRST)
SLF
Sun Life Financial Inc.
$80.85
+1.00%
FINANCIAL SERVICES · Cap: $43.97B
TRST
TrustCo Bank Corp NY
$56.70
+0.34%
FINANCIAL SERVICES · Cap: $948.96M
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 17823% more annual revenue ($35.53B vs $198.22M). TRST leads profitability with a 33.4% profit margin vs 9.5%. TRST appears more attractively valued with a PEG of 0.63. TRST earns a higher WallStSmart Score of 71/100 (B).
SLF
Strong Buy67
out of 100
Grade: B-
TRST
Strong Buy71
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 33 of every $100 in revenue as profit
Strong operational efficiency at 47.2%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
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. PEG of 1.33 suggests the stock is reasonably priced for its growth.
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 47.2%. PEG of 0.63 suggests the stock is reasonably priced for its growth.
Bear Case : SLF
The primary concerns for SLF are Altman Z-Score.
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 0.79 — 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
TRST scores higher overall (71/100 vs 67/100), backed by strong 33.4% 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.
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.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?