M&T Bank Corporation (MTB)vsRoyal Bank of Canada (RY)
MTB
M&T Bank Corporation
$227.73
+0.32%
FINANCIAL SERVICES · Cap: $33.96B
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 606% more annual revenue ($65.72B vs $9.31B). RY leads profitability with a 33.7% profit margin vs 31.5%. MTB appears more attractively valued with a PEG of 1.46. MTB earns a higher WallStSmart Score of 77/100 (B+).
MTB
Strong Buy77
out of 100
Grade: B+
RY
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 38.9%
Attractively priced relative to earnings
Earnings expanding 24.4% YoY
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 20.8B in free cash flow
Reasonable price relative to book value
16.1% revenue growth
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MTB
The strongest argument for MTB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.5% and operating margin at 38.9%. PEG of 1.46 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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bear Case : MTB
The primary concerns for MTB are Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Key Dynamics to Monitor
MTB profiles as a mature stock while RY is a growth play — different risk/reward profiles.
RY carries more volatility with a beta of 0.94 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Bottom Line
MTB scores higher overall (77/100 vs 70/100), backed by strong 31.5% 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.
M&T Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.
Visit Website →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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