Well I don't use stock coolers but the AMD ones have always been ok as long as you are not overclocking, they normally in my experience keep the cpu's cool but I am going back a few years.
It was back in the days of the AMD Athlon X2 5200 etc days, and then one more time with the AMD Phenom II X4 965 BE that my brother in law used.
As for Intel there Ivy Bridge/haswell cpu's are stupidly hot IMHO, my I7 4790k cannot be used with a stock cooler as it will shut the pc off all the time, it cannot be overclocked at the moment because the Corsair H100i struggles to cool it at stock speed, if I run OCCT with AVX enabled it stops after about 20 seconds because the cores hit 87c, if I turn off AVX then it runs until I stop it but it hits ~70c per core.
It's running at 4.4Ghz which is stock as it just turbo's to that all the time when using it, and it's using 1.25v and I have tried lowering it but it crashes if I lower it but I am not sure if my ram running at it's stock 2400Mhz is causing a increase in heat as I have not tested dropping the speed yet.
I have tried reseating the cooler and cpu, tried multiple different TIM application methods and different TIM amounts and nothing changed the temps.
I might spend a few hours tomorrow going through the bios and tweaking things, and see what happens.
My 2700K can be overclocked to 4.8Ghz on air which my grandad is using, my 3930K is running at 4.0Ghz under a Corsair H100i but not checked the temps on that in ages, as my dad uses it but the temps on both are lower than my 4790k running at stock speed.
As soon as I can I am getting a new case and going back to a custom loop to see if that will drop the temps abit.
***Edit***
After looking around the net it seems the back plate may be the issue if it's loose and might need some washers so time to go and fit some and then test it again.