Sun Life Financial Inc. (SLF)vsWestamerica Bancorporation (WABC)
SLF
Sun Life Financial Inc.
$82.77
+0.61%
FINANCIAL SERVICES · Cap: $46.60B
WABC
Westamerica Bancorporation
$59.90
-0.76%
FINANCIAL SERVICES · Cap: $1.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 13737% more annual revenue ($34.90B vs $252.20M). WABC leads profitability with a 43.9% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.58. WABC earns a higher WallStSmart Score of 55/100 (C).
SLF
Hold49
out of 100
Grade: D+
WABC
Buy55
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
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 60.3%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
0.2% revenue growth
Earnings declined 48.4%
4.5% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 2.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow.
Bull Case : WABC
The strongest argument for WABC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 43.9% and operating margin at 60.3%.
Bear Case : SLF
The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : WABC
The primary concerns for WABC are EPS Growth, Market Cap, PEG Ratio.
Key Dynamics to Monitor
SLF profiles as a value stock while WABC is a declining play — different risk/reward profiles.
SLF carries more volatility with a beta of 0.82 — expect wider price swings.
SLF is growing revenue faster at 0.2% — sustainability is the question.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
WABC scores higher overall (55/100 vs 49/100), backed by strong 43.9% margins. Both earn "Buy" and "Hold" 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.
Westamerica Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.
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