WallStSmart

Sun Life Financial Inc. (SLF)vsWestamerica Bancorporation (WABC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 13737% more annual revenue ($34.90B vs $252.20M). WABC leads profitability with a 43.9% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.58. WABC earns a higher WallStSmart Score of 55/100 (C).

SLF

Hold

49

out of 100

Grade: D+

Growth: 5.3Profit: 5.5Value: 5.0Quality: 7.3
Piotroski: 5/9

WABC

Buy

55

out of 100

Grade: C

Growth: 3.3Profit: 7.5Value: 5.0Quality: 6.5
Piotroski: 4/9Altman Z: -0.19

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

WABC5 strengths · Avg: 9.0/10
Profit MarginProfitability
43.9%10/10

Keeps 44 of every $100 in revenue as profit

Operating MarginProfitability
60.3%10/10

Strong operational efficiency at 60.3%

Debt/EquityHealth
0.159/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

SLF3 concerns · Avg: 3.3/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
-48.4%2/10

Earnings declined 48.4%

WABC4 concerns · Avg: 2.8/10
EPS GrowthGrowth
4.5%4/10

4.5% earnings growth

Market CapQuality
$1.39B3/10

Smaller company, higher risk/reward

PEG RatioValuation
4.622/10

Expensive relative to growth rate

Revenue GrowthGrowth
-2.7%2/10

Revenue declined 2.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, Free Cash Flow.

Bull Case : WABC

The strongest argument for WABC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 43.9% and operating margin at 60.3%.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : WABC

The primary concerns for WABC are EPS Growth, Market Cap, PEG Ratio.

Key Dynamics to Monitor

SLF profiles as a value stock while WABC is a declining play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.82 — expect wider price swings.

SLF is growing revenue faster at 0.2% — sustainability is the question.

SLF generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

WABC scores higher overall (55/100 vs 49/100), backed by strong 43.9% margins. Both earn "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.

Westamerica Bancorporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.

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