Midland States Bancorp Inc (MSBI)vsRoyal Bank of Canada (RY)
MSBI
Midland States Bancorp Inc
$25.61
-1.42%
FINANCIAL SERVICES · Cap: $537.83M
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 23008% more annual revenue ($63.42B vs $274.47M). RY leads profitability with a 33.1% profit margin vs 12.8%. MSBI appears more attractively valued with a PEG of 1.41. RY earns a higher WallStSmart Score of 68/100 (B-).
MSBI
Strong Buy65
out of 100
Grade: B-
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 34.0%
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.2% — below average capital efficiency
Earnings declined 71.2%
Negative free cash flow — burning cash
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : MSBI
The strongest argument for MSBI centers on Price/Book, Operating Margin. Revenue growth of 14.3% demonstrates continued momentum. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.
Bear Case : MSBI
The primary concerns for MSBI are Market Cap, Return on Equity, EPS Growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
MSBI profiles as a value stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
MSBI is growing revenue faster at 14.3% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 65/100), backed by strong 33.1% margins. Both earn "Strong Buy" and "Strong 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.
Midland States Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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