Royal Bank of Canada (RY)vsTompkins Financial Corporation (TMP)
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
TMP
Tompkins Financial Corporation
$87.29
+0.66%
FINANCIAL SERVICES · Cap: $1.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 14807% more annual revenue ($65.72B vs $440.85M). TMP leads profitability with a 38.0% profit margin vs 33.7%. TMP appears more attractively valued with a PEG of 1.61. TMP earns a higher WallStSmart Score of 76/100 (B+).
RY
Strong Buy70
out of 100
Grade: B-
TMP
Strong Buy76
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
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
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 : 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.
Key Dynamics to Monitor
RY profiles as a growth stock while TMP 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
TMP scores higher overall (76/100 vs 70/100), 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.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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