NBT Bancorp Inc (NBTB)vsRoyal Bank of Canada (RY)
NBTB
NBT Bancorp Inc
$45.59
+1.15%
FINANCIAL SERVICES · Cap: $2.35B
RY
Royal Bank of Canada
$181.68
+0.18%
FINANCIAL SERVICES · Cap: $252.56B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 9005% more annual revenue ($63.42B vs $696.57M). RY leads profitability with a 33.1% profit margin vs 26.4%. RY appears more attractively valued with a PEG of 2.30. NBTB earns a higher WallStSmart Score of 74/100 (B).
NBTB
Strong Buy74
out of 100
Grade: B
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 39.1%
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 21.6% year-over-year
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : NBTB
The strongest argument for NBTB centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 39.1%. Revenue growth of 21.6% 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 : NBTB
The primary concerns for NBTB are PEG Ratio.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
NBTB 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.
NBTB is growing revenue faster at 21.6% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
NBTB scores higher overall (74/100 vs 68/100), backed by strong 26.4% margins and 21.6% 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.
NBT Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.
Visit Website →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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