Midland States Bancorp, Inc. (MSBI)vsRoyal Bank of Canada (RY)
MSBI
Midland States Bancorp, Inc.
$33.45
+0.42%
FINANCIAL SERVICES · Cap: $695.82M
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 23367% more annual revenue ($67.15B vs $286.15M). RY leads profitability with a 33.9% profit margin vs 15.0%. MSBI appears more attractively valued with a PEG of 1.41. MSBI earns a higher WallStSmart Score of 74/100 (B).
MSBI
Strong Buy74
out of 100
Grade: B
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 35.6%
Earnings expanding 86.0% YoY
Reasonable price relative to book value
18.0% revenue growth
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.5% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MSBI
The strongest argument for MSBI centers on Operating Margin, EPS Growth, Price/Book. Revenue growth of 18.0% demonstrates continued momentum. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bull 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%.
Bear Case : MSBI
The primary concerns for MSBI are Market Cap, Return on Equity, Altman Z-Score.
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.
Key Dynamics to Monitor
MSBI profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
MSBI is growing revenue faster at 18.0% — sustainability is the question.
MSBI generates stronger free cash flow (29M), providing more financial flexibility.
Bottom Line
MSBI scores higher overall (74/100 vs 63/100) and 18.0% revenue growth. 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.
Midland States Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.
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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