WallStSmart

QCR Holdings Inc (QCRH)vsSun Life Financial Inc. (SLF)

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Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 9346% more annual revenue ($35.59B vs $376.81M). QCRH leads profitability with a 37.6% profit margin vs 8.6%. QCRH appears more attractively valued with a PEG of 1.02. QCRH earns a higher WallStSmart Score of 61/100 (C+).

QCRH

Buy

61

out of 100

Grade: C+

Growth: 4.7Profit: 7.5Value: 6.3Quality: 5.5
Piotroski: 5/9Altman Z: 0.31

SLF

Buy

53

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 5.7Quality: 6.5
Piotroski: 5/9Altman Z: 0.32

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

QCRH4 strengths · Avg: 9.5/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
37.6%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

SLF1 strengths · Avg: 8.0/10
Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

QCRH4 concerns · Avg: 2.8/10
EPS GrowthGrowth
2.3%4/10

2.3% earnings growth

Market CapQuality
$1.69B3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-2.5%2/10

Revenue declined 2.5%

Altman Z-ScoreHealth
0.312/10

Distress zone — elevated risk

SLF3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
0.7%4/10

0.7% revenue growth

EPS GrowthGrowth
-28.6%2/10

Earnings declined 28.6%

Altman Z-ScoreHealth
0.322/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : QCRH

The strongest argument for QCRH centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 37.6% and operating margin at 43.7%. PEG of 1.02 suggests the stock is reasonably priced for its growth.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book. PEG of 1.19 suggests the stock is reasonably priced for its growth.

Bear Case : QCRH

The primary concerns for QCRH are EPS Growth, Market Cap, Revenue Growth.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

QCRH profiles as a declining stock while SLF is a value play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.76 — expect wider price swings.

SLF is growing revenue faster at 0.7% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

QCRH scores higher overall (61/100 vs 53/100), backed by strong 37.6% margins. Both earn "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.

QCR Holdings Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.

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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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