Regions Financial Corporation (RF)vsRoyal Bank of Canada (RY)
RF
Regions Financial Corporation
$30.13
+0.60%
FINANCIAL SERVICES · Cap: $25.92B
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 828% more annual revenue ($67.15B vs $7.24B). RY leads profitability with a 33.9% profit margin vs 30.8%. RF appears more attractively valued with a PEG of 1.62. RF earns a higher WallStSmart Score of 69/100 (B-).
RF
Strong Buy69
out of 100
Grade: B-
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.3%
Attractively priced relative to earnings
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
Expensive relative to growth rate
3.4% revenue growth
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 : RF
The strongest argument for RF centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.8% and operating margin at 39.3%.
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 : RF
The primary concerns for RF are PEG Ratio, Revenue Growth, 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
RF profiles as a value stock while RY is a mature play — different risk/reward profiles.
RF carries more volatility with a beta of 1.00 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
RF generates stronger free cash flow (365M), providing more financial flexibility.
Bottom Line
RF scores higher overall (69/100 vs 63/100), backed by strong 30.8% margins. 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.
Regions Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Regions Financial Corporation is a bank holding company headquartered in the Regions Center in Birmingham, Alabama. The company provides retail banking and commercial banking, trust, stockbrokerage, and mortgage services.
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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