Royal Bank of Canada (RY)vsUMB Financial Corporation (UMBF)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
UMBF
UMB Financial Corporation
$139.49
+0.09%
FINANCIAL SERVICES · Cap: $10.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 2286% more annual revenue ($67.15B vs $2.81B). RY leads profitability with a 33.9% profit margin vs 33.5%. RY appears more attractively valued with a PEG of 2.35. UMBF earns a higher WallStSmart Score of 75/100 (B).
RY
Buy63
out of 100
Grade: C+
UMBF
Strong Buy75
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%
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 51.1%
Earnings expanding 26.2% 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
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 33.9% and operating margin at 46.4%.
Bull Case : UMBF
The strongest argument for UMBF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.5% and operating margin at 51.1%. Revenue growth of 12.2% demonstrates continued momentum.
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 : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
UMBF is growing revenue faster at 12.2% — sustainability is the question.
UMBF generates stronger free cash flow (345M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UMBF scores higher overall (75/100 vs 63/100), backed by strong 33.5% margins and 12.2% 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.
UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
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