WallStSmart

Royal Bank of Canada (RY)vsTimberland Bancorp Inc (TSBK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 77579% more annual revenue ($65.72B vs $84.60M). TSBK leads profitability with a 36.5% profit margin vs 33.7%. RY appears more attractively valued with a PEG of 2.53. RY earns a higher WallStSmart Score of 70/100 (B-).

RY

Strong Buy

70

out of 100

Grade: B-

Growth: 8.7Profit: 8.0Value: 4.3Quality: 5.0
Piotroski: 4/9Altman Z: -0.50

TSBK

Buy

62

out of 100

Grade: C+

Growth: 6.0Profit: 7.5Value: 5.7Quality: 7.5
Piotroski: 7/9Altman Z: -0.49

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RY6 strengths · Avg: 9.3/10
Market CapQuality
$277.29B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.7%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
45.3%10/10

Strong operational efficiency at 45.3%

Free Cash FlowQuality
$20.82B10/10

Generating 20.8B in free cash flow

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.1%8/10

16.1% revenue growth

TSBK5 strengths · Avg: 10.0/10
P/E RatioValuation
10.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
36.5%10/10

Keeps 37 of every $100 in revenue as profit

Operating MarginProfitability
45.2%10/10

Strong operational efficiency at 45.2%

Debt/EquityHealth
0.0810/10

Conservative balance sheet, low leverage

Areas to Watch

RY3 concerns · Avg: 1.7/10
PEG RatioValuation
2.532/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.502/10

Distress zone — elevated risk

Debt/EquityHealth
2.771/10

Elevated debt levels

TSBK4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Market CapQuality
$323.92M3/10

Smaller company, higher risk/reward

PEG RatioValuation
2.942/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.492/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : TSBK

The strongest argument for TSBK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.5% and operating margin at 45.2%.

Bear Case : RY

The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.

Bear Case : TSBK

The primary concerns for TSBK are Revenue Growth, Market Cap, PEG Ratio.

Key Dynamics to Monitor

RY profiles as a growth stock while TSBK is a value 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 (20.8B), providing more financial flexibility.

Bottom Line

RY scores higher overall (70/100 vs 62/100), backed by strong 33.7% margins and 16.1% revenue growth. Both earn "Strong Buy" and "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.

Timberland Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Timberland Bancorp, Inc. is the banking holding company for Timberland Bank providing various banking services in Washington. The company is headquartered in Hoquiam, Washington.

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