Peoples Fin (PFIS)vsRoyal Bank of Canada (RY)
PFIS
Peoples Fin
$56.96
+0.65%
FINANCIAL SERVICES · Cap: $589.63M
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 33710% more annual revenue ($63.42B vs $187.59M). RY leads profitability with a 33.1% profit margin vs 31.6%. PFIS appears more attractively valued with a PEG of 1.31. PFIS earns a higher WallStSmart Score of 75/100 (B).
PFIS
Strong Buy75
out of 100
Grade: B
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 42.2%
Earnings expanding 97.0% YoY
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : PFIS
The strongest argument for PFIS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.6% and operating margin at 42.2%. Revenue growth of 12.2% 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 33.1% and operating margin at 46.2%.
Bear Case : PFIS
The primary concerns for PFIS are Market Cap.
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.
PFIS is growing revenue faster at 12.2% — 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
PFIS scores higher overall (75/100 vs 68/100), backed by strong 31.6% margins and 12.2% 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.
Peoples Fin
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Financial Services Corp. The company is headquartered in Scranton, Pennsylvania.
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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