NBT Bancorp Inc (NBTB)vsSun Life Financial Inc. (SLF)
NBTB
NBT Bancorp Inc
$47.29
-0.04%
FINANCIAL SERVICES · Cap: $2.51B
SLF
Sun Life Financial Inc.
$77.55
+1.04%
FINANCIAL SERVICES · Cap: $43.76B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 4910% more annual revenue ($34.90B vs $696.57M). NBTB leads profitability with a 26.4% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.42. NBTB earns a higher WallStSmart Score of 74/100 (B).
NBTB
Strong Buy74
out of 100
Grade: B
SLF
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 40.6%
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 21.6% year-over-year
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 26.4% and operating margin at 40.6%. Revenue growth of 21.6% demonstrates continued momentum.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow. PEG of 1.42 suggests the stock is reasonably priced for its growth.
Bear Case : NBTB
The primary concerns for NBTB are PEG Ratio, Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
NBTB profiles as a growth stock while SLF is a value play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.83 — expect wider price swings.
NBTB is growing revenue faster at 21.6% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
NBTB scores higher overall (74/100 vs 51/100), backed by strong 26.4% margins and 21.6% revenue growth. Both earn "Strong Buy" and "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.
NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Visit Website →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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