Peoples Bancorp of North Carolina (PEBK)vsRoyal Bank of Canada (RY)
PEBK
Peoples Bancorp of North Carolina
$41.13
-2.44%
FINANCIAL SERVICES · Cap: $234.48M
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 73027% more annual revenue ($65.72B vs $89.87M). RY leads profitability with a 33.7% profit margin vs 22.1%. PEBK trades at a lower P/E of 12.2x. RY earns a higher WallStSmart Score of 70/100 (B-).
PEBK
Buy51
out of 100
Grade: C-
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 27.8%
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 37.3B in free cash flow
Reasonable price relative to book value
16.1% revenue growth
Areas to Watch
4.0% revenue growth
1.3% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : PEBK
The strongest argument for PEBK centers on Price/Book, Profit Margin, Debt/Equity. Profitability is solid with margins at 22.1% and operating margin at 27.8%.
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 : PEBK
The primary concerns for PEBK are Revenue Growth, EPS Growth, Market Cap.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
PEBK profiles as a value 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 (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (70/100 vs 51/100), 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.
Peoples Bancorp of North Carolina
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Bancorp of North Carolina, Inc. is a banking holding company for Peoples Bank that provides a variety of consumer and commercial banking products and services to individuals and small and medium-sized businesses. The company is headquartered in Newton, North Carolina.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?