WallStSmart

Park National Corporation (PRK)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 10932% more annual revenue ($67.15B vs $608.67M). RY leads profitability with a 33.9% profit margin vs 31.2%. RY appears more attractively valued with a PEG of 2.35. PRK earns a higher WallStSmart Score of 65/100 (B-).

PRK

Strong Buy

65

out of 100

Grade: B-

Growth: 6.7Profit: 7.5Value: 5.0Quality: 5.5
Piotroski: 7/9Altman Z: 0.40

RY

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 8.0Value: 5.0Quality: 5.0
Piotroski: 4/9Altman Z: -0.50

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PRK6 strengths · Avg: 9.0/10
Profit MarginProfitability
31.2%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
46.6%10/10

Strong operational efficiency at 46.6%

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

P/E RatioValuation
17.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
25.7%8/10

Revenue surging 25.7% year-over-year

RY4 strengths · Avg: 9.5/10
Market CapQuality
$291.55B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
46.4%10/10

Strong operational efficiency at 46.4%

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Areas to Watch

PRK2 concerns · Avg: 2.0/10
PEG RatioValuation
3.472/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.402/10

Distress zone — elevated risk

RY4 concerns · Avg: 2.3/10
PEG RatioValuation
2.354/10

Expensive relative to growth rate

Free Cash FlowQuality
$-28.67B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.502/10

Distress zone — elevated risk

Debt/EquityHealth
2.881/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : PRK

The strongest argument for PRK centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 31.2% and operating margin at 46.6%. Revenue growth of 25.7% 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 33.9% and operating margin at 46.4%.

Bear Case : PRK

The primary concerns for PRK are PEG Ratio, 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

PRK 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.

PRK is growing revenue faster at 25.7% — sustainability is the question.

PRK generates stronger free cash flow (50M), providing more financial flexibility.

Bottom Line

PRK scores higher overall (65/100 vs 63/100), backed by strong 31.2% margins and 25.7% 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.

Park National Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Park National Corporation is the bank holding company for Park National Bank providing commercial banking and trust services in small and medium population areas. The company is headquartered in Newark, Ohio.

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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