Royal Bank of Canada (RY)vsTompkins Financial Corporation (TMP)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
TMP
Tompkins Financial Corporation
$84.27
+0.79%
FINANCIAL SERVICES · Cap: $1.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 14287% more annual revenue ($63.42B vs $440.85M). TMP leads profitability with a 38.0% profit margin vs 33.1%. TMP appears more attractively valued with a PEG of 1.61. TMP earns a higher WallStSmart Score of 74/100 (B).
RY
Strong Buy68
out of 100
Grade: B-
TMP
Strong Buy74
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 41.9%
Earnings expanding 32.8% YoY
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 : TMP
The strongest argument for TMP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 38.0% and operating margin at 41.9%.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : TMP
The primary concerns for TMP are PEG Ratio, Market Cap, Free Cash Flow.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
TMP is growing revenue faster at 7.6% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TMP scores higher overall (74/100 vs 68/100), backed by strong 38.0% 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.
Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
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