Royal Bank of Canada (RY)vsSimmons First National Corporation (SFNC)
RY
Royal Bank of Canada
$204.77
+0.86%
FINANCIAL SERVICES · Cap: $281.07B
SFNC
Simmons First National Corporation
$23.37
+1.30%
FINANCIAL SERVICES · Cap: $3.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 7115% more annual revenue ($67.15B vs $930.76M). RY leads profitability with a 33.9% profit margin vs 28.0%. RY appears more attractively valued with a PEG of 1.89. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
SFNC
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Keeps 28 of every $100 in revenue as profit
Strong operational efficiency at 25.8%
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
ROE of -10.5% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : SFNC
The strongest argument for SFNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 28.0% and operating margin at 25.8%. Revenue growth of 14.3% demonstrates continued momentum.
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.
Bear Case : SFNC
The primary concerns for SFNC are Piotroski F-Score, PEG Ratio, Return on Equity.
Key Dynamics to Monitor
SFNC carries more volatility with a beta of 0.94 — expect wider price swings.
SFNC is growing revenue faster at 14.3% — sustainability is the question.
SFNC generates stronger free cash flow (126M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RY scores higher overall (68/100 vs 66/100), backed by strong 33.9% 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.
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.
Simmons First National Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Simmons First National Corporation is the holding company of Simmons Bank providing banking and financial products and services to individuals and businesses. The company is headquartered in Pine Bluff, Arkansas.
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