Royal Bank of Canada (RY)vsS&T Bancorp Inc (STBA)
RY
Royal Bank of Canada
$204.79
-0.48%
FINANCIAL SERVICES · Cap: $282.00B
STBA
S&T Bancorp Inc
$49.13
+0.57%
FINANCIAL SERVICES · Cap: $1.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 16385% more annual revenue ($65.72B vs $398.66M). STBA leads profitability with a 34.1% profit margin vs 33.7%. STBA appears more attractively valued with a PEG of 1.23. RY earns a higher WallStSmart Score of 67/100 (B-).
RY
Strong Buy67
out of 100
Grade: B-
STBA
Buy63
out of 100
Grade: C+
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
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 44.8%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
4.1% revenue growth
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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bull Case : STBA
The strongest argument for STBA centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 44.8%. PEG of 1.23 suggests the stock is reasonably priced for its growth.
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 : STBA
The primary concerns for STBA are Revenue Growth, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
RY profiles as a growth stock while STBA is a value play — different risk/reward profiles.
RY carries more volatility with a beta of 0.94 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Bottom Line
RY scores higher overall (67/100 vs 63/100), backed by strong 33.7% margins and 16.1% 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.
S&T Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.
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