WallStSmart

National Bankshares Inc (NKSH)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 108467% more annual revenue ($63.42B vs $58.42M). RY leads profitability with a 33.1% profit margin vs 30.1%. NKSH trades at a lower P/E of 12.9x. RY earns a higher WallStSmart Score of 68/100 (B-).

NKSH

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 7.5Value: 6.0Quality: 5.0

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

NKSH6 strengths · Avg: 9.3/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.1%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
41.2%10/10

Strong operational efficiency at 41.2%

EPS GrowthGrowth
53.3%10/10

Earnings expanding 53.3% YoY

P/E RatioValuation
12.9x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
22.7%8/10

Revenue surging 22.7% year-over-year

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

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
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

NKSH1 concerns · Avg: 3.0/10
Market CapQuality
$226.40M3/10

Smaller company, higher risk/reward

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

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : NKSH

The strongest argument for NKSH centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.1% and operating margin at 41.2%. Revenue growth of 22.7% 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 : NKSH

The primary concerns for NKSH are Market Cap.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

NKSH 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.

NKSH is growing revenue faster at 22.7% — sustainability is the question.

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

Bottom Line

RY scores higher overall (68/100 vs 65/100), backed by strong 33.1% 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.

National Bankshares Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

National Bankshares, Inc. is the banking holding company for the National Bank of Blacksburg offering retail and commercial banking products and services to individuals, businesses, non-profit organizations and local governments. The company is headquartered in Blacksburg, Virginia.

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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