Royal Bank of Canada (RY)vsTriCo Bancshares (TCBK)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
TCBK
TriCo Bancshares
$53.53
-0.26%
FINANCIAL SERVICES · Cap: $1.71B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 15655% more annual revenue ($67.15B vs $426.21M). RY leads profitability with a 33.9% profit margin vs 31.8%. TCBK appears more attractively valued with a PEG of 1.94. TCBK earns a higher WallStSmart Score of 71/100 (B).
RY
Buy63
out of 100
Grade: C+
TCBK
Strong Buy71
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%
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 43.2%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 26.2% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
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 : TCBK
The strongest argument for TCBK centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.8% and operating margin at 43.2%. Revenue growth of 10.4% 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 : TCBK
The primary concerns for TCBK are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
TCBK is growing revenue faster at 10.4% — sustainability is the question.
TCBK generates stronger free cash flow (24M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TCBK scores higher overall (71/100 vs 63/100), backed by strong 31.8% margins and 10.4% revenue growth. 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.
TriCo Bancshares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TriCo Bancshares is a bank holding company for Tri Counties Bank providing commercial banking services to individual and corporate clients. The company is headquartered in Chico, California.
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