WallStSmart

Provident Financial Holdings Inc (PROV)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 165268% more annual revenue ($67.15B vs $40.61M). RY leads profitability with a 33.9% profit margin vs 16.4%. RY appears more attractively valued with a PEG of 2.35. PROV earns a higher WallStSmart Score of 65/100 (B-).

PROV

Strong Buy

65

out of 100

Grade: B-

Growth: 8.0Profit: 6.5Value: 4.3Quality: 4.8
Piotroski: 6/9

RY

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 8.0Value: 5.0Quality: 5.0
Piotroski: 4/9Altman Z: -0.50

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PROV3 strengths · Avg: 8.7/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
29.0%8/10

Strong operational efficiency at 29.0%

EPS GrowthGrowth
41.6%8/10

Earnings expanding 41.6% YoY

RY4 strengths · Avg: 9.5/10
Market CapQuality
$291.55B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
46.4%10/10

Strong operational efficiency at 46.4%

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Areas to Watch

PROV4 concerns · Avg: 2.8/10
Market CapQuality
$116.58M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Debt/EquityHealth
1.243/10

Elevated debt levels

PEG RatioValuation
4.002/10

Expensive relative to growth rate

RY4 concerns · Avg: 2.3/10
PEG RatioValuation
2.354/10

Expensive relative to growth rate

Free Cash FlowQuality
$-28.67B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.502/10

Distress zone — elevated risk

Debt/EquityHealth
2.881/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : PROV

The strongest argument for PROV centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 16.4% and operating margin at 29.0%. Revenue growth of 10.3% 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 33.9% and operating margin at 46.4%.

Bear Case : PROV

The primary concerns for PROV are Market Cap, Return on Equity, Debt/Equity.

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 0.92 — expect wider price swings.

PROV is growing revenue faster at 10.3% — sustainability is the question.

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

Bottom Line

PROV scores higher overall (65/100 vs 63/100), backed by strong 16.4% margins and 10.3% 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.

Provident Financial Holdings Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Provident Financial Holdings, Inc. is the parent company of Provident Savings Bank, FSB providing community banking services to consumers and small and medium-sized businesses in the Inland Empire region of Southern California. The company is headquartered in Riverside, California.

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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