Plumas Bancorp (PLBC)vsRoyal Bank of Canada (RY)
PLBC
Plumas Bancorp
$63.24
-0.09%
FINANCIAL SERVICES · Cap: $438.86M
RY
Royal Bank of Canada
$204.77
+0.86%
FINANCIAL SERVICES · Cap: $281.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 58798% more annual revenue ($67.15B vs $114.01M). PLBC leads profitability with a 36.9% profit margin vs 33.9%. PLBC appears more attractively valued with a PEG of 1.49. PLBC earns a higher WallStSmart Score of 76/100 (B+).
PLBC
Strong Buy76
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
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 50.9%
Earnings expanding 120.5% YoY
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PLBC
The strongest argument for PLBC centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.9% and operating margin at 50.9%. PEG of 1.49 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 33.9% and operating margin at 46.4%.
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, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.91 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
PLBC generates stronger free cash flow (12M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PLBC scores higher overall (76/100 vs 68/100), backed by strong 36.9% 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.
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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?