Provident Financial Holdings Inc (PROV)vsRoyal Bank of Canada (RY)
PROV
Provident Financial Holdings Inc
$16.92
+0.12%
FINANCIAL SERVICES · Cap: $106.69M
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 165831% more annual revenue ($65.72B vs $39.60M). RY leads profitability with a 33.7% profit margin vs 15.4%. RY appears more attractively valued with a PEG of 2.53. RY earns a higher WallStSmart Score of 70/100 (B-).
PROV
Hold47
out of 100
Grade: D+
RY
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 21.6%
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 37.3B in free cash flow
Reasonable price relative to book value
16.1% revenue growth
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.8% — below average capital efficiency
Elevated debt levels
Expensive relative to growth rate
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : PROV
The strongest argument for PROV centers on Price/Book, Operating Margin. Profitability is solid with margins at 15.4% and operating margin at 21.6%.
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 : 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.
Key Dynamics to Monitor
PROV profiles as a declining stock while RY is a growth play — different risk/reward profiles.
RY carries more volatility with a beta of 0.94 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (70/100 vs 47/100), backed by strong 33.7% margins and 16.1% revenue growth. Both earn "Strong Buy" and "Hold" 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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