Royal Bank of Canada (RY)vsFirst Financial Corporation Indiana (THFF)
RY
Royal Bank of Canada
$204.57
+0.78%
FINANCIAL SERVICES · Cap: $281.07B
THFF
First Financial Corporation Indiana
$78.48
+2.52%
FINANCIAL SERVICES · Cap: $909.25M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 24940% more annual revenue ($67.15B vs $268.17M). RY leads profitability with a 33.9% profit margin vs 31.6%. RY appears more attractively valued with a PEG of 1.89. THFF earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
THFF
Strong Buy68
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 40.7%
15.5% revenue growth
Earnings expanding 21.9% 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
Expensive relative to growth rate
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 : THFF
The strongest argument for THFF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.6% and operating margin at 40.7%. Revenue growth of 15.5% 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 : THFF
The primary concerns for THFF are Market Cap, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
RY profiles as a mature stock while THFF is a growth play — different risk/reward profiles.
RY carries more volatility with a beta of 0.91 — expect wider price swings.
THFF is growing revenue faster at 15.5% — sustainability is the question.
THFF generates stronger free cash flow (17M), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 68/100), backed by strong 33.9% 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.
First Financial Corporation Indiana
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Financial Corporation, provides various financial services. The company is headquartered in Terre Haute, Indiana.
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