Royal Bank of Canada (RY)vsSouthState Corporation (SSB)
RY
Royal Bank of Canada
$210.09
+1.76%
FINANCIAL SERVICES · Cap: $299.37B
SSB
SouthState Corporation
$105.71
-0.83%
FINANCIAL SERVICES · Cap: $10.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 2355% more annual revenue ($65.72B vs $2.68B). SSB leads profitability with a 34.9% profit margin vs 33.7%. SSB appears more attractively valued with a PEG of 1.45. SSB earns a higher WallStSmart Score of 83/100 (A-).
RY
Strong Buy67
out of 100
Grade: B-
SSB
Exceptional Buy83
out of 100
Grade: A-
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 45.3%
Generating 20.8B in free cash flow
16.1% revenue growth
Earnings expanding 27.5% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.3%
Earnings expanding 162.1% YoY
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bull Case : SSB
The strongest argument for SSB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.9% and operating margin at 50.3%. Revenue growth of 22.8% demonstrates continued momentum.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Bear Case : SSB
The primary concerns for SSB are Altman Z-Score.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.93 — expect wider price swings.
SSB is growing revenue faster at 22.8% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SSB scores higher overall (83/100 vs 67/100), backed by strong 34.9% margins and 22.8% revenue growth. Both earn "Exceptional 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.
SouthState Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
South State Corporation is the banking holding company for South State Bank offering a range of banking products and services. The company is headquartered in Winter Haven, Florida.
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