Royal Bank of Canada (RY)vsTriCo Bancshares (TCBK)
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
TCBK
TriCo Bancshares
$50.69
-0.02%
FINANCIAL SERVICES · Cap: $1.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 15700% more annual revenue ($65.72B vs $415.93M). RY leads profitability with a 33.7% profit margin vs 31.0%. TCBK appears more attractively valued with a PEG of 1.94. TCBK earns a higher WallStSmart Score of 74/100 (B).
RY
Strong Buy70
out of 100
Grade: B-
TCBK
Strong Buy74
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 45.3%
Generating 37.3B in free cash flow
Reasonable price relative to book value
16.1% revenue growth
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 30.0% YoY
Areas to Watch
Expensive relative to growth rate
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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bull Case : TCBK
The strongest argument for TCBK centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 43.7%. Revenue growth of 10.7% demonstrates continued momentum.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : TCBK
The primary concerns for TCBK are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
RY profiles as a growth stock while TCBK is a mature 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 (37.3B), providing more financial flexibility.
Bottom Line
TCBK scores higher overall (74/100 vs 70/100), backed by strong 31.0% margins and 10.7% 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.
TriCo Bancshares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TriCo Bancshares is a bank holding company for Tri Counties Bank providing commercial banking services to individual and corporate clients. The company is headquartered in Chico, California.
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