Royal Bank of Canada (RY)vsThe Bancorp Inc (TBBK)
RY
Royal Bank of Canada
$203.83
-1.14%
FINANCIAL SERVICES · Cap: $281.45B
TBBK
The Bancorp Inc
$50.59
+0.62%
FINANCIAL SERVICES · Cap: $2.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 12525% more annual revenue ($67.15B vs $531.90M). TBBK leads profitability with a 43.6% profit margin vs 33.9%. TBBK appears more attractively valued with a PEG of 1.07. TBBK earns a higher WallStSmart Score of 71/100 (B).
RY
Strong Buy66
out of 100
Grade: B-
TBBK
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%
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 33 in profit
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 59.7%
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
0.4% revenue growth
Elevated debt levels
Weak financial health signals
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 : TBBK
The strongest argument for TBBK centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 43.6% and operating margin at 59.7%. PEG of 1.07 suggests the stock is reasonably priced for its growth.
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 : TBBK
The primary concerns for TBBK are Revenue Growth, Debt/Equity, Piotroski F-Score.
Key Dynamics to Monitor
RY profiles as a mature stock while TBBK is a value play — different risk/reward profiles.
TBBK carries more volatility with a beta of 1.18 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
TBBK generates stronger free cash flow (34M), providing more financial flexibility.
Bottom Line
TBBK scores higher overall (71/100 vs 66/100), backed by strong 43.6% 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.
The Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
The Bancorp, Inc. is the financial holding company of The Bancorp Bank offering banking products and services in the United States. The company is headquartered in Wilmington, Delaware.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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