WallStSmart

Camden National Corporation (CAC)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 14838% more annual revenue ($34.88B vs $233.49M). CAC leads profitability with a 27.9% profit margin vs 10.2%. CAC trades at a lower P/E of 12.9x. CAC earns a higher WallStSmart Score of 74/100 (B).

CAC

Strong Buy

74

out of 100

Grade: B

Growth: 10.0Profit: 7.5Value: 6.0Quality: 5.0
Piotroski: 5/9Altman Z: 0.34

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

CAC6 strengths · Avg: 9.2/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
47.5%10/10

Strong operational efficiency at 47.5%

Revenue GrowthGrowth
39.2%10/10

Revenue surging 39.2% year-over-year

Profit MarginProfitability
27.9%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
12.9x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
33.8%8/10

Earnings expanding 33.8% YoY

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

CAC2 concerns · Avg: 2.5/10
Market CapQuality
$843.38M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
0.342/10

Distress zone — elevated risk

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

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : CAC

The strongest argument for CAC centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.9% and operating margin at 47.5%. Revenue growth of 39.2% 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 : CAC

The primary concerns for CAC are Market Cap, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

CAC 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.

CAC is growing revenue faster at 39.2% — sustainability is the question.

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

Bottom Line

CAC scores higher overall (74/100 vs 67/100), backed by strong 27.9% margins and 39.2% revenue growth. 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.

Camden National Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Camden National Corporation is the banking holding company for Camden National Bank offering commercial and consumer banking products and services to consumer, institutional, municipal, non-profit and commercial clients. The company is headquartered in Camden, Maine.

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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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