WallStSmart

Peoples Bancorp Inc (PEBO)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 14860% more annual revenue ($63.42B vs $423.96M). RY leads profitability with a 33.1% profit margin vs 26.3%. PEBO appears more attractively valued with a PEG of 1.45. RY earns a higher WallStSmart Score of 68/100 (B-).

PEBO

Strong Buy

68

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 7.0Quality: 4.0
Piotroski: 2/9

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PEBO4 strengths · Avg: 9.8/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.1%10/10

Strong operational efficiency at 37.1%

Profit MarginProfitability
26.3%9/10

Keeps 26 of every $100 in revenue as profit

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

PEBO2 concerns · Avg: 3.0/10
Market CapQuality
$1.22B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : PEBO

The strongest argument for PEBO centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.3% and operating margin at 37.1%. PEG of 1.45 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 33.1% and operating margin at 46.2%.

Bear Case : PEBO

The primary concerns for PEBO are Market Cap, Piotroski F-Score.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

RY carries more volatility with a beta of 0.92 — expect wider price swings.

RY is growing revenue faster at 7.5% — sustainability is the question.

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PEBO scores higher overall (68/100 vs 68/100), backed by strong 26.3% 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.

Peoples Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Peoples Bancorp Inc. is the holding company of Peoples Bank offering commercial and retail banking products and services. The company is headquartered in Marietta, Ohio.

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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