Renasant Corporation (RNST)vsRoyal Bank of Canada (RY)
RNST
Renasant Corporation
$43.83
-0.14%
FINANCIAL SERVICES · Cap: $3.99B
RY
Royal Bank of Canada
$206.49
-2.77%
FINANCIAL SERVICES · Cap: $299.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 6617% more annual revenue ($65.72B vs $978.30M). RY leads profitability with a 33.7% profit margin vs 23.3%. RNST appears more attractively valued with a PEG of 1.79. RNST earns a higher WallStSmart Score of 77/100 (B+).
RNST
Strong Buy77
out of 100
Grade: B+
RY
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 45.2%
Revenue surging 60.2% year-over-year
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Earnings expanding 44.6% YoY
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 20.8B in free cash flow
16.1% revenue growth
Earnings expanding 27.5% YoY
Areas to Watch
Expensive relative to growth rate
ROE of 5.9% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : RNST
The strongest argument for RNST centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 23.3% and operating margin at 45.2%. Revenue growth of 60.2% 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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bear Case : RNST
The primary concerns for RNST are PEG Ratio, Return on Equity, Piotroski F-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Key Dynamics to Monitor
RNST carries more volatility with a beta of 0.98 — expect wider price swings.
RNST is growing revenue faster at 60.2% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RNST scores higher overall (77/100 vs 67/100), backed by strong 23.3% margins and 60.2% revenue growth. 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.
Renasant Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Renasant Corporation is a bank holding company for Renasant Bank, providing a variety of financial, wealth management, trust and insurance services to retail and commercial clients. The company is headquartered in Tupelo, Mississippi.
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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