Royal Bank of Canada (RY)vsSouthside Bancshares, Inc. (SBSI)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
SBSI
Southside Bancshares, Inc.
$32.07
-0.06%
FINANCIAL SERVICES · Cap: $978.60M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 27307% more annual revenue ($67.15B vs $245.01M). RY leads profitability with a 33.9% profit margin vs 31.0%. RY appears more attractively valued with a PEG of 2.35. SBSI earns a higher WallStSmart Score of 64/100 (C+).
RY
Buy63
out of 100
Grade: C+
SBSI
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 47.2%
Attractively priced relative to earnings
Earnings expanding 25.0% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : SBSI
The strongest argument for SBSI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 47.2%.
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.
Bear Case : SBSI
The primary concerns for SBSI are Market Cap, Debt/Equity, PEG Ratio. Debt-to-equity of 1.86 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
SBSI generates stronger free cash flow (28M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SBSI scores higher overall (64/100 vs 63/100), backed by strong 31.0% margins. Both earn "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.
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.
Southside Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southside Bancshares, Inc. is the banking holding company for Southside Bank providing a range of financial services to individuals, businesses, municipal entities, and non-profit organizations. The company is headquartered in Tyler, Texas.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?