WallStSmart

Origin Bancorp, Inc. (OBK)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 18655% more annual revenue ($65.72B vs $350.40M). RY leads profitability with a 33.7% profit margin vs 23.0%. RY trades at a lower P/E of 18.7x. RY earns a higher WallStSmart Score of 67/100 (B-).

OBK

Buy

60

out of 100

Grade: C

Growth: 7.3Profit: 6.5Value: 5.3Quality: 5.8
Piotroski: 4/9Altman Z: 0.04

RY

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 8.0Value: 4.3Quality: 5.0
Piotroski: 4/9Altman Z: -0.50

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OBK5 strengths · Avg: 9.4/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

Debt/EquityHealth
0.0210/10

Conservative balance sheet, low leverage

Profit MarginProfitability
23.0%9/10

Keeps 23 of every $100 in revenue as profit

EPS GrowthGrowth
25.4%8/10

Earnings expanding 25.4% YoY

RY6 strengths · Avg: 9.3/10
Market CapQuality
$282.00B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.7%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
45.3%10/10

Strong operational efficiency at 45.3%

Free Cash FlowQuality
$20.82B10/10

Generating 20.8B in free cash flow

Revenue GrowthGrowth
16.1%8/10

16.1% revenue growth

EPS GrowthGrowth
27.5%8/10

Earnings expanding 27.5% YoY

Areas to Watch

OBK3 concerns · Avg: 2.7/10
Market CapQuality
$1.60B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.4%3/10

ROE of 6.4% — below average capital efficiency

Altman Z-ScoreHealth
0.042/10

Distress zone — elevated risk

RY3 concerns · Avg: 1.7/10
PEG RatioValuation
2.532/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.502/10

Distress zone — elevated risk

Debt/EquityHealth
2.771/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : OBK

The strongest argument for OBK centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 23.0% and operating margin at 38.5%.

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 : OBK

The primary concerns for OBK are Market Cap, Return on Equity, 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

OBK 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

RY scores higher overall (67/100 vs 60/100), backed by strong 33.7% margins and 16.1% revenue growth. 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.

Origin Bancorp, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Origin Bancorp, Inc. is a leading financial institution based in Ruston, Louisiana, offering a diverse range of banking and financial services tailored to meet the needs of both individuals and businesses. Through its wholly-owned subsidiary, Origin Bank, the company specializes in commercial banking, mortgage lending, and wealth management, underscoring its commitment to superior customer service and community engagement. With a strong emphasis on leveraging innovative technologies to improve client experiences and operational effectiveness, Origin Bancorp is strategically positioned to seize growth opportunities within the evolving financial services landscape.

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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