Royal Bank of Canada (RY)vsWestamerica Bancorporation (WABC)
RY
Royal Bank of Canada
$204.77
+0.86%
FINANCIAL SERVICES · Cap: $281.07B
WABC
Westamerica Bancorporation
$60.92
-1.02%
FINANCIAL SERVICES · Cap: $1.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 26493% more annual revenue ($67.15B vs $252.51M). WABC leads profitability with a 43.8% profit margin vs 33.9%. RY appears more attractively valued with a PEG of 1.89. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
WABC
Buy59
out of 100
Grade: C
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
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
0.5% revenue growth
Smaller company, higher risk/reward
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 : WABC
The strongest argument for WABC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 43.8% and operating margin at 60.8%.
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 : WABC
The primary concerns for WABC are Revenue Growth, Market Cap, PEG Ratio.
Key Dynamics to Monitor
RY profiles as a mature stock while WABC 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.
WABC generates stronger free cash flow (15M), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 59/100), backed by strong 33.9% margins. 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.
Westamerica Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.
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