WallStSmart

Royal Bank of Canada (RY)vsStock Yards Bancorp Inc (SYBT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 15784% more annual revenue ($63.42B vs $399.30M). SYBT leads profitability with a 35.9% profit margin vs 33.1%. SYBT appears more attractively valued with a PEG of 1.33. RY earns a higher WallStSmart Score of 68/100 (B-).

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

SYBT

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 7.5Value: 6.3Quality: 5.8
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

SYBT5 strengths · Avg: 9.2/10
Profit MarginProfitability
35.9%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
47.4%10/10

Strong operational efficiency at 47.4%

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.9x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

SYBT0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull 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 : SYBT

The strongest argument for SYBT centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 35.9% and operating margin at 47.4%. PEG of 1.33 suggests the stock is reasonably priced for its growth.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Bear Case : SYBT

No major red flags identified for SYBT, but monitor valuation.

Key Dynamics to Monitor

RY carries more volatility with a beta of 0.92 — expect wider price swings.

SYBT is growing revenue faster at 9.4% — 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 67/100), backed by strong 33.1% 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.

Stock Yards Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Stock Yards Bancorp, Inc. is SYB's holding company offering various banking products and services in Louisville, Indianapolis and Cincinnati. The company is headquartered in Louisville, Kentucky.

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