You also didn't say what type of film you used or how you digitize the image that we see on the web. Did it come from a scan of the photo print or was it a scan of the film? Was it a negative or positive film? How did you scan to get the image? Did you have settings on the scanner set to what? Was it post processed?
OP said he tried again with his digital camera and it also came out underexposed. He posted the digital image, not the film image.
OP - as others have said, Sunny 16 is a starting point. Just because it's sunny out doesn't mean it there's enough light to shoot at f16 with shutter speed matching ISO. Yes, the time of day matters, as does location and season. Light is very often weaker than the eye perceives. You're also shooting dark objects, which can eat light, just the same as snow will reflect light and require much less exposure.
If I were shooting that scene, I would probably have opened it up 2 stops.
It takes practice to figure out. Once you're used to it, it can be a reliable way to eyeball and meter a scene, but nothing is guaranteed, just like an electronic meter doesn't always give you the exposure you want.