WallStSmart

Simmons First National Corporation (SFNC)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 42764% more annual revenue ($34.88B vs $81.37M). SLF leads profitability with a 10.2% profit margin vs 0.0%. SLF appears more attractively valued with a PEG of 1.18. SLF earns a higher WallStSmart Score of 67/100 (B-).

SFNC

Buy

60

out of 100

Grade: C

Growth: 6.7Profit: 4.5Value: 4.0Quality: 4.5
Piotroski: 2/9Altman Z: 0.07

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

SFNC5 strengths · Avg: 9.4/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.3%10/10

Strong operational efficiency at 39.3%

EPS GrowthGrowth
82.6%10/10

Earnings expanding 82.6% YoY

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
24.1%8/10

Revenue surging 24.1% 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

SFNC4 concerns · Avg: 2.5/10
Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.832/10

Expensive relative to growth rate

Return on EquityProfitability
-10.4%2/10

ROE of -10.4% — below average capital efficiency

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

4.7% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : SFNC

The strongest argument for SFNC centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 24.1% 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 : SFNC

The primary concerns for SFNC are Profit Margin, Piotroski F-Score, PEG Ratio.

Bear Case : SLF

The primary concerns for SLF are Revenue Growth.

Key Dynamics to Monitor

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

SFNC carries more volatility with a beta of 0.90 — expect wider price swings.

SFNC is growing revenue faster at 24.1% — sustainability is the question.

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

Bottom Line

SLF scores higher overall (67/100 vs 60/100). 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.

Simmons First National Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Simmons First National Corporation is the holding company of Simmons Bank providing banking and financial products and services to individuals and businesses. The company is headquartered in Pine Bluff, Arkansas.

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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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