Royal Bank of Canada (RY)vsSouthern First Bancshares Inc (SFST)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
SFST
Southern First Bancshares Inc
$63.12
-0.47%
FINANCIAL SERVICES · Cap: $597.86M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 52030% more annual revenue ($67.15B vs $128.81M). RY leads profitability with a 33.9% profit margin vs 30.7%. SFST appears more attractively valued with a PEG of 2.31. SFST earns a higher WallStSmart Score of 71/100 (B).
RY
Buy63
out of 100
Grade: C+
SFST
Strong Buy71
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%
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 44.0%
Attractively priced relative to earnings
Revenue surging 24.8% year-over-year
Earnings expanding 48.1% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Smaller company, higher risk/reward
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 : SFST
The strongest argument for SFST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.7% and operating margin at 44.0%. Revenue growth of 24.8% 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 : SFST
The primary concerns for SFST are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
RY profiles as a mature stock while SFST is a growth play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
SFST is growing revenue faster at 24.8% — sustainability is the question.
SFST generates stronger free cash flow (17M), providing more financial flexibility.
Bottom Line
SFST scores higher overall (71/100 vs 63/100), backed by strong 30.7% margins and 24.8% 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.
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.
Southern First Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern First Bancshares, Inc. is the banking holding company for Southern First Bank offering various banking products and services to the general public in South Carolina, North Carolina and Georgia. The company is headquartered in Greenville, South Carolina.
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