WallStSmart

Northwest Bancshares Inc (NWBI)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 5329% more annual revenue ($35.53B vs $654.41M). NWBI leads profitability with a 23.4% profit margin vs 9.5%. SLF appears more attractively valued with a PEG of 1.61. NWBI earns a higher WallStSmart Score of 75/100 (B+).

NWBI

Strong Buy

75

out of 100

Grade: B+

Growth: 8.7Profit: 6.5Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: -0.65

SLF

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NWBI6 strengths · Avg: 8.8/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.6%10/10

Strong operational efficiency at 41.6%

Profit MarginProfitability
23.4%9/10

Keeps 23 of every $100 in revenue as profit

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
23.2%8/10

Revenue surging 23.2% year-over-year

EPS GrowthGrowth
38.5%8/10

Earnings expanding 38.5% YoY

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
43.2%8/10

Earnings expanding 43.2% YoY

Areas to Watch

NWBI3 concerns · Avg: 3.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Altman Z-ScoreHealth
-0.652/10

Distress zone — elevated risk

SLF1 concerns · Avg: 4.0/10
PEG RatioValuation
1.614/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : NWBI

The strongest argument for NWBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 23.4% and operating margin at 41.6%. Revenue growth of 23.2% demonstrates continued momentum.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, EPS Growth.

Bear Case : NWBI

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

Bear Case : SLF

The primary concerns for SLF are PEG Ratio.

Key Dynamics to Monitor

NWBI profiles as a growth stock while SLF is a value play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.80 — expect wider price swings.

NWBI is growing revenue faster at 23.2% — sustainability is the question.

SLF generates stronger free cash flow (90M), providing more financial flexibility.

Bottom Line

NWBI scores higher overall (75/100 vs 65/100), backed by strong 23.4% margins and 23.2% 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.

Northwest Bancshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Northwest Bancshares, Inc. is a Northwest Bank holding company offering a variety of personal and business banking solutions. The company is headquartered in Warren, Pennsylvania.

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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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