RBB Bancorp (RBB)vsRoyal Bank of Canada (RY)
RBB
RBB Bancorp
$26.55
-0.49%
FINANCIAL SERVICES · Cap: $457.92M
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 50881% more annual revenue ($67.15B vs $131.72M). RY leads profitability with a 33.9% profit margin vs 31.7%. RBB trades at a lower P/E of 11.1x. RBB earns a higher WallStSmart Score of 65/100 (C+).
RBB
Buy65
out of 100
Grade: C+
RY
Buy63
out of 100
Grade: C+
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 44.8%
17.3% revenue growth
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.8% — below average capital efficiency
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 : RBB
The strongest argument for RBB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.7% and operating margin at 44.8%. Revenue growth of 17.3% 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 : RBB
The primary concerns for RBB are Market Cap, Return on Equity, 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
RBB profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RBB carries more volatility with a beta of 1.02 — expect wider price swings.
RBB is growing revenue faster at 17.3% — sustainability is the question.
RBB generates stronger free cash flow (22M), providing more financial flexibility.
Bottom Line
RBB scores higher overall (65/100 vs 63/100), backed by strong 31.7% margins and 17.3% revenue growth. Both earn "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.
RBB Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
RBB Bancorp is the banking holding company of Royal Business Bank offering various banking products and services to the Sino-American, Korean-American and other Asian-American communities. The company is headquartered in Los Angeles, 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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