Royal Bank of Canada (RY)vsS&T Bancorp Inc (STBA)
RY
Royal Bank of Canada
$191.91
+0.71%
FINANCIAL SERVICES · Cap: $270.89B
STBA
S&T Bancorp Inc
$48.05
-1.42%
FINANCIAL SERVICES · Cap: $1.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 16493% more annual revenue ($67.15B vs $404.69M). STBA leads profitability with a 34.7% profit margin vs 33.9%. STBA appears more attractively valued with a PEG of 1.23. STBA earns a higher WallStSmart Score of 72/100 (B).
RY
Strong Buy66
out of 100
Grade: B-
STBA
Strong Buy72
out of 100
Grade: B
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%
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 22.9% 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
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 : STBA
The strongest argument for STBA centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.7% and operating margin at 44.7%. PEG of 1.23 suggests the stock is reasonably priced for its growth.
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 : STBA
The primary concerns for STBA are Market Cap, Altman Z-Score.
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.
STBA generates stronger free cash flow (27M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
STBA scores higher overall (72/100 vs 66/100), backed by strong 34.7% margins. 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.
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.
S&T Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.
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