Plumas Bancorp (PLBC)vsRoyal Bank of Canada (RY)
PLBC
Plumas Bancorp
$61.71
-0.79%
FINANCIAL SERVICES · Cap: $429.75M
RY
Royal Bank of Canada
$206.49
-2.77%
FINANCIAL SERVICES · Cap: $299.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 61384% more annual revenue ($65.72B vs $106.88M). RY leads profitability with a 33.7% profit margin vs 33.5%. PLBC appears more attractively valued with a PEG of 1.49. PLBC earns a higher WallStSmart Score of 78/100 (B+).
PLBC
Strong Buy78
out of 100
Grade: B+
RY
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 51.4%
Revenue surging 43.1% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 34.3% YoY
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 20.8B in free cash flow
16.1% revenue growth
Earnings expanding 27.5% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PLBC
The strongest argument for PLBC centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 33.5% and operating margin at 51.4%. Revenue growth of 43.1% 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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bear Case : PLBC
The primary concerns for PLBC are Market Cap, Piotroski F-Score, 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
RY carries more volatility with a beta of 0.93 — expect wider price swings.
PLBC is growing revenue faster at 43.1% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PLBC scores higher overall (78/100 vs 67/100), backed by strong 33.5% margins and 43.1% 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.
Plumas Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Plumas Bancorp is the banking holding company for Plumas Bank offering various banking products and services to small and medium-sized businesses and individuals in Northeast California and Northwest Nevada. The company is headquartered in Reno, Nevada.
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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