WallStSmart

Peapack-Gladstone Financial (PGC)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 12636% more annual revenue ($34.88B vs $273.87M). PGC leads profitability with a 16.0% profit margin vs 10.2%. PGC appears more attractively valued with a PEG of 0.64. PGC earns a higher WallStSmart Score of 76/100 (B+).

PGC

Strong Buy

76

out of 100

Grade: B+

Growth: 8.7Profit: 6.5Value: 7.0Quality: 5.0

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

PGC6 strengths · Avg: 8.7/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

EPS GrowthGrowth
86.0%10/10

Earnings expanding 86.0% YoY

PEG RatioValuation
0.648/10

Growing faster than its price suggests

P/E RatioValuation
17.3x8/10

Attractively priced relative to earnings

Operating MarginProfitability
28.1%8/10

Strong operational efficiency at 28.1%

Revenue GrowthGrowth
25.5%8/10

Revenue surging 25.5% year-over-year

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

PGC3 concerns · Avg: 2.7/10
Market CapQuality
$758.27M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.6%3/10

ROE of 6.6% — below average capital efficiency

Free Cash FlowQuality
$-14.34M2/10

Negative free cash flow — burning cash

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

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : PGC

The strongest argument for PGC centers on Price/Book, EPS Growth, PEG Ratio. Profitability is solid with margins at 16.0% and operating margin at 28.1%. Revenue growth of 25.5% 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 : PGC

The primary concerns for PGC are Market Cap, Return on Equity, Free Cash Flow.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

PGC 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.

PGC is growing revenue faster at 25.5% — sustainability is the question.

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

Bottom Line

PGC scores higher overall (76/100 vs 67/100), backed by strong 16.0% margins and 25.5% 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.

Peapack-Gladstone Financial

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.

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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