WallStSmart

Meridian Bank (MRBK)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 54549% more annual revenue ($63.42B vs $116.06M). RY leads profitability with a 33.1% profit margin vs 20.8%. MRBK appears more attractively valued with a PEG of 1.58. MRBK earns a higher WallStSmart Score of 73/100 (B).

MRBK

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 6.5Value: 6.3Quality: 4.0
Piotroski: 4/9Altman Z: 0.14

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MRBK6 strengths · Avg: 9.2/10
P/E RatioValuation
8.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

EPS GrowthGrowth
85.7%10/10

Earnings expanding 85.7% YoY

Profit MarginProfitability
20.8%9/10

Keeps 21 of every $100 in revenue as profit

Operating MarginProfitability
23.2%8/10

Strong operational efficiency at 23.2%

Revenue GrowthGrowth
19.9%8/10

19.9% revenue growth

RY6 strengths · Avg: 9.3/10
Market CapQuality
$252.56B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
17.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

MRBK4 concerns · Avg: 2.8/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

Market CapQuality
$216.08M3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-6.57M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.142/10

Distress zone — elevated risk

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : MRBK

The strongest argument for MRBK centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 20.8% and operating margin at 23.2%. Revenue growth of 19.9% demonstrates continued momentum.

Bull 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%.

Bear Case : MRBK

The primary concerns for MRBK are PEG Ratio, Market Cap, Free Cash Flow.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

MRBK profiles as a growth stock while RY is a mature play — different risk/reward profiles.

RY carries more volatility with a beta of 0.94 — expect wider price swings.

MRBK is growing revenue faster at 19.9% — sustainability is the question.

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

Bottom Line

MRBK scores higher overall (73/100 vs 68/100), backed by strong 20.8% margins and 19.9% 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.

Meridian Bank

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Meridian Corporation is the holding company for Meridian Bank offering commercial banking products and services in Pennsylvania, New Jersey, Delaware and Maryland. The company is headquartered in Malvern, Pennsylvania.

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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.

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