Royal Bank of Canada (RY)vsUnity Bancorp Inc (UNTY)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
UNTY
Unity Bancorp Inc
$52.28
+0.16%
FINANCIAL SERVICES · Cap: $541.21M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 47805% more annual revenue ($63.42B vs $132.39M). UNTY leads profitability with a 45.8% profit margin vs 33.1%. UNTY appears more attractively valued with a PEG of 0.99. UNTY earns a higher WallStSmart Score of 76/100 (B+).
RY
Strong Buy68
out of 100
Grade: B-
UNTY
Strong Buy76
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 46 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Growing faster than its price suggests
16.1% revenue growth
Areas to Watch
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 33.1% and operating margin at 46.2%.
Bull Case : UNTY
The strongest argument for UNTY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 45.8% and operating margin at 57.7%. Revenue growth of 16.1% demonstrates continued momentum.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : UNTY
The primary concerns for UNTY are Market Cap.
Key Dynamics to Monitor
RY profiles as a mature stock while UNTY is a growth play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
UNTY 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
UNTY scores higher overall (76/100 vs 68/100), backed by strong 45.8% margins and 16.1% revenue growth. 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.
Unity Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Unity Bancorp, Inc. is the holding company of Unity Bank providing commercial and retail banking products and services to individuals, small and medium-sized businesses and professional communities. The company is headquartered in Clinton, New Jersey.
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