Royal Bank of Canada (RY)vsZions Bancorporation (ZION)
RY
Royal Bank of Canada
$203.61
-0.47%
FINANCIAL SERVICES · Cap: $281.07B
ZION
Zions Bancorporation
$65.75
-0.95%
FINANCIAL SERVICES · Cap: $9.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1684% more annual revenue ($67.15B vs $3.76B). RY leads profitability with a 33.9% profit margin vs 32.2%. RY appears more attractively valued with a PEG of 1.89. ZION earns a higher WallStSmart Score of 71/100 (B).
RY
Strong Buy68
out of 100
Grade: B-
ZION
Strong Buy71
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%
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 39.3%
Earnings expanding 20.3% 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 : ZION
The strongest argument for ZION centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 39.3%.
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 : ZION
The primary concerns for ZION are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.91 — expect wider price swings.
ZION is growing revenue faster at 9.5% — sustainability is the question.
ZION generates stronger free cash flow (787M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ZION scores higher overall (71/100 vs 68/100), backed by strong 32.2% margins. 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.
Zions Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Zions Bancorporation is a bank holding company headquartered in Salt Lake City, Utah.
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