Royal Bank of Canada (RY)vsTompkins Financial Corporation (TMP)
RY
Royal Bank of Canada
$206.03
+0.62%
FINANCIAL SERVICES · Cap: $281.07B
TMP
Tompkins Financial Corporation
$101.64
+0.53%
FINANCIAL SERVICES · Cap: $1.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 14872% more annual revenue ($67.15B vs $448.50M). TMP leads profitability with a 40.2% profit margin vs 33.9%. 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 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
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 43.5%
Reasonable price relative to book value
Earnings expanding 21.2% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
2.2% revenue growth
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 33.9% and operating margin at 46.4%.
Bull Case : TMP
The strongest argument for TMP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 40.2% and operating margin at 43.5%.
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 : TMP
The primary concerns for TMP are PEG Ratio, Revenue Growth, Market Cap.
Key Dynamics to Monitor
RY profiles as a mature stock while TMP is a value play — different risk/reward profiles.
RY carries more volatility with a beta of 0.91 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
TMP generates stronger free cash flow (-17M), providing more financial flexibility.
Bottom Line
TMP scores higher overall (74/100 vs 68/100), backed by strong 40.2% 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.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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