Royal Bank of Canada (RY)vsSmartFinancial, Inc. (SMBK)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
SMBK
SmartFinancial, Inc.
$41.94
+0.43%
FINANCIAL SERVICES · Cap: $732.16M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 32172% more annual revenue ($63.42B vs $196.53M). RY leads profitability with a 33.1% profit margin vs 26.9%. SMBK trades at a lower P/E of 13.7x. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
SMBK
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 20.9% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
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 33.1% and operating margin at 46.2%.
Bull Case : SMBK
The strongest argument for SMBK centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 26.9% and operating margin at 37.8%.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : SMBK
The primary concerns for SMBK are Market Cap.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
SMBK is growing revenue faster at 8.3% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RY scores higher overall (68/100 vs 62/100), backed by strong 33.1% 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.
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.
SmartFinancial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SmartFinancial, Inc. is SmartBank's banking holding company that provides various financial services to individual and corporate clients. The company is headquartered in Knoxville, Tennessee.
Compare with Other BANKS - DIVERSIFIED Stocks
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