Royal Bank of Canada (RY)vsSouthern First Bancshares Inc (SFST)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
SFST
Southern First Bancshares Inc
$55.85
-3.26%
FINANCIAL SERVICES · Cap: $532.51M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 51933% more annual revenue ($63.42B vs $121.89M). RY leads profitability with a 33.1% profit margin vs 28.7%. RY appears more attractively valued with a PEG of 2.30. SFST earns a higher WallStSmart Score of 71/100 (B).
RY
Strong Buy68
out of 100
Grade: B-
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 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 41.2%
Earnings expanding 83.1% YoY
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.2% year-over-year
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 33.1% and operating margin at 46.2%.
Bull Case : SFST
The strongest argument for SFST centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 28.7% and operating margin at 41.2%. Revenue growth of 26.2% demonstrates continued momentum.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : SFST
The primary concerns for SFST are PEG Ratio, Market Cap, Free Cash Flow.
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 26.2% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
SFST scores higher overall (71/100 vs 68/100), backed by strong 28.7% margins and 26.2% revenue growth. 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.
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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