OP Bancorp (OPBK)vsRoyal Bank of Canada (RY)
OPBK
OP Bancorp
$15.36
+0.66%
FINANCIAL SERVICES · Cap: $226.53M
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 69035% more annual revenue ($67.15B vs $97.13M). RY leads profitability with a 33.9% profit margin vs 29.8%. OPBK appears more attractively valued with a PEG of 0.97. OPBK earns a higher WallStSmart Score of 79/100 (B+).
OPBK
Strong Buy79
out of 100
Grade: B+
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 47.3%
Keeps 30 of every $100 in revenue as profit
Growing faster than its price suggests
15.1% 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
Negative free cash flow — burning cash
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 : OPBK
The strongest argument for OPBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.8% and operating margin at 47.3%. Revenue growth of 15.1% 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 33.9% and operating margin at 46.4%.
Bear Case : OPBK
The primary concerns for OPBK are Market Cap, Free Cash Flow, 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
OPBK 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.
OPBK is growing revenue faster at 15.1% — sustainability is the question.
OPBK generates stronger free cash flow (-7M), providing more financial flexibility.
Bottom Line
OPBK scores higher overall (79/100 vs 63/100), backed by strong 29.8% margins and 15.1% 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.
OP Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OP Bancorp is Open Bank's banking holding company offering banking products and services in California. The company is headquartered in Los Angeles, California.
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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