WallStSmart

Glacier Bancorp Inc (GBCI)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 3258% more annual revenue ($34.88B vs $1.04B). GBCI leads profitability with a 25.7% profit margin vs 10.2%. SLF appears more attractively valued with a PEG of 1.18. GBCI earns a higher WallStSmart Score of 77/100 (B+).

GBCI

Strong Buy

77

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 5.0Quality: 6.3
Piotroski: 4/9Altman Z: 1.16

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

GBCI5 strengths · Avg: 9.4/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.0%10/10

Strong operational efficiency at 41.0%

Revenue GrowthGrowth
41.4%10/10

Revenue surging 41.4% year-over-year

Profit MarginProfitability
25.7%9/10

Keeps 26 of every $100 in revenue as profit

EPS GrowthGrowth
31.1%8/10

Earnings expanding 31.1% 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

GBCI3 concerns · Avg: 3.0/10
PEG RatioValuation
1.754/10

Expensive relative to growth rate

Return on EquityProfitability
7.1%3/10

ROE of 7.1% — below average capital efficiency

Altman Z-ScoreHealth
1.162/10

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 : GBCI

The strongest argument for GBCI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.7% and operating margin at 41.0%. Revenue growth of 41.4% 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 : GBCI

The primary concerns for GBCI are PEG Ratio, Return on Equity, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

GBCI 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.

GBCI is growing revenue faster at 41.4% — sustainability is the question.

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

Bottom Line

GBCI scores higher overall (77/100 vs 67/100), backed by strong 25.7% margins and 41.4% 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.

Glacier Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Glacier Bancorp, Inc. is the bank holding company for Glacier Bank providing commercial banking services to individuals, small and medium-sized businesses, community organizations, and public entities in the United States. The company is headquartered in Kalispell, Montana.

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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