Royal Bank of Canada (RY)vsSimmons First National Corporation (SFNC)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
SFNC
Simmons First National Corporation
$23.19
+0.26%
FINANCIAL SERVICES · Cap: $3.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 60796% more annual revenue ($67.15B vs $110.27M). RY leads profitability with a 33.9% profit margin vs 0.0%. RY appears more attractively valued with a PEG of 2.35. RY earns a higher WallStSmart Score of 63/100 (C+).
RY
Buy63
out of 100
Grade: C+
SFNC
Buy52
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
Strong operational efficiency at 38.3%
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
0.0% margin — thin
Weak financial health signals
Expensive relative to growth rate
ROE of -10.5% — below average capital efficiency
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 : SFNC
The strongest argument for SFNC centers on Price/Book, Operating Margin. Revenue growth of 14.3% demonstrates continued momentum.
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 : SFNC
The primary concerns for SFNC are Profit Margin, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
RY profiles as a mature stock while SFNC is a value play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
SFNC is growing revenue faster at 14.3% — sustainability is the question.
SFNC generates stronger free cash flow (126M), providing more financial flexibility.
Bottom Line
RY scores higher overall (63/100 vs 52/100), backed by strong 33.9% 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.
Simmons First National Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Simmons First National Corporation is the holding company of Simmons Bank providing banking and financial products and services to individuals and businesses. The company is headquartered in Pine Bluff, Arkansas.
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