Patriot National Bancorp Inc (PNBK)vsRoyal Bank of Canada (RY)
PNBK
Patriot National Bancorp Inc
$0.98
+2.82%
FINANCIAL SERVICES · Cap: $113.17M
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 170174% more annual revenue ($67.15B vs $39.44M). RY leads profitability with a 33.9% profit margin vs -16.6%. RY earns a higher WallStSmart Score of 63/100 (C+).
PNBK
Avoid31
out of 100
Grade: F
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 144.0% year-over-year
Conservative balance sheet, low leverage
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 -13.0% — below average capital efficiency
Earnings declined 48.0%
Negative free cash flow — burning cash
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PNBK
The strongest argument for PNBK centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 144.0% 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 : PNBK
The primary concerns for PNBK are Market Cap, Return on Equity, EPS Growth.
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
PNBK profiles as a hypergrowth 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.
PNBK is growing revenue faster at 144.0% — sustainability is the question.
PNBK generates stronger free cash flow (-6M), providing more financial flexibility.
Bottom Line
RY scores higher overall (63/100 vs 31/100), backed by strong 33.9% margins. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Patriot National Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Patriot National Bancorp, Inc. is the parent company of Patriot Bank, NA providing community banking services to individuals, small and medium-sized businesses, and professionals.
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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