Northeast Bancorp (NBN)vsRoyal Bank of Canada (RY)
NBN
Northeast Bancorp
$126.49
+0.40%
FINANCIAL SERVICES · Cap: $1.08B
RY
Royal Bank of Canada
$192.76
+0.44%
FINANCIAL SERVICES · Cap: $270.89B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 28239% more annual revenue ($67.15B vs $236.96M). NBN leads profitability with a 45.4% profit margin vs 33.9%. RY appears more attractively valued with a PEG of 2.26. NBN earns a higher WallStSmart Score of 71/100 (B).
NBN
Strong Buy71
out of 100
Grade: B
RY
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 65.0%
Reasonable price relative to book value
Earnings expanding 35.3% YoY
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : NBN
The strongest argument for NBN centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 45.4% and operating margin at 65.0%. Revenue growth of 11.3% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : NBN
The primary concerns for NBN are Market Cap, Debt/Equity, Piotroski F-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
NBN is growing revenue faster at 11.3% — sustainability is the question.
NBN generates stronger free cash flow (-18M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NBN scores higher overall (71/100 vs 66/100), backed by strong 45.4% margins and 11.3% revenue growth. 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.
Northeast Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northeast Bank offers personal and business banking services in Maine, United States. The company is headquartered in Portland, Maine.
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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