Sun Life Financial Inc. (SLF)vsS&T Bancorp Inc (STBA)
SLF
Sun Life Financial Inc.
$79.65
+1.04%
FINANCIAL SERVICES · Cap: $44.15B
STBA
S&T Bancorp Inc
$49.13
+0.57%
FINANCIAL SERVICES · Cap: $1.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 8654% more annual revenue ($34.90B vs $398.66M). STBA leads profitability with a 34.1% profit margin vs 8.8%. STBA appears more attractively valued with a PEG of 1.23. STBA earns a higher WallStSmart Score of 63/100 (C+).
SLF
Buy51
out of 100
Grade: C-
STBA
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 4.1B in free cash flow
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 44.8%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
0.2% revenue growth
Earnings declined 48.4%
4.1% revenue growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : STBA
The strongest argument for STBA centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 44.8%. PEG of 1.23 suggests the stock is reasonably priced for its growth.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Bear Case : STBA
The primary concerns for STBA are Revenue Growth, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
STBA carries more volatility with a beta of 0.85 — expect wider price swings.
STBA is growing revenue faster at 4.1% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
STBA scores higher overall (63/100 vs 51/100), backed by strong 34.1% 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.
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.
S&T Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?