Royal Bank of Canada (RY)vsWestern New England Bancorp Inc (WNEB)
RY
Royal Bank of Canada
$206.03
+0.62%
FINANCIAL SERVICES · Cap: $281.07B
WNEB
Western New England Bancorp Inc
$14.08
+2.40%
FINANCIAL SERVICES · Cap: $277.44M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 78165% more annual revenue ($67.15B vs $85.80M). RY leads profitability with a 33.9% profit margin vs 19.5%. WNEB appears more attractively valued with a PEG of 1.58. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
WNEB
Buy51
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
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 24.5%
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
Smaller company, higher risk/reward
ROE of 7.3% — below average capital efficiency
Revenue declined 2.4%
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 : WNEB
The strongest argument for WNEB centers on Price/Book, Debt/Equity, P/E Ratio. Profitability is solid with margins at 19.5% and operating margin at 24.5%.
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 : WNEB
The primary concerns for WNEB are PEG Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
RY profiles as a mature stock while WNEB is a declining 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.
WNEB generates stronger free cash flow (6M), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 51/100), 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.
Western New England Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Western New England Bancorp, Inc. is the Westfield Bank holding company offering a range of commercial and retail banking products and services to individuals and businesses. The company is headquartered in Westfield, Massachusetts.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?