Northfield Bancorp Inc (NFBK)vsRoyal Bank of Canada (RY)
NFBK
Northfield Bancorp Inc
$15.31
0.00%
FINANCIAL SERVICES · Cap: $639.41M
RY
Royal Bank of Canada
$195.67
+0.16%
FINANCIAL SERVICES · Cap: $281.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 43276% more annual revenue ($67.15B vs $154.81M). RY leads profitability with a 33.9% profit margin vs 3.1%. RY appears more attractively valued with a PEG of 2.26. RY earns a higher WallStSmart Score of 66/100 (B-).
NFBK
Buy62
out of 100
Grade: C+
RY
Strong Buy66
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 47.8%
Earnings expanding 56.7% YoY
Revenue surging 24.5% year-over-year
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
ROE of 0.7% — below average capital efficiency
3.1% margin — thin
Elevated debt levels
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : NFBK
The strongest argument for NFBK centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 24.5% 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 : NFBK
The primary concerns for NFBK are Market Cap, Return on Equity, Profit Margin. A P/E of 117.8x leaves little room for execution misses. Thin 3.1% margins leave little buffer for downturns.
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
NFBK profiles as a growth 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.
NFBK is growing revenue faster at 24.5% — sustainability is the question.
NFBK generates stronger free cash flow (20M), providing more financial flexibility.
Bottom Line
RY scores higher overall (66/100 vs 62/100), backed by strong 33.9% margins. Both earn "Strong Buy" and "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.
Northfield Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northfield Bancorp, Inc. (Staten Island, NY) is the banking holding company for Northfield Bank providing various banking services primarily to individual and corporate clients. The company is headquartered in Woodbridge, New Jersey.
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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