Royal Bank of Canada (RY)vsTrustCo Bank Corp NY (TRST)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
TRST
TrustCo Bank Corp NY
$58.45
+0.05%
FINANCIAL SERVICES · Cap: $980.80M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 34376% more annual revenue ($67.15B vs $194.77M). RY leads profitability with a 33.9% profit margin vs 33.4%. TRST appears more attractively valued with a PEG of 0.63. TRST earns a higher WallStSmart Score of 73/100 (B).
RY
Buy63
out of 100
Grade: C+
TRST
Strong Buy73
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
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.7%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
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 : TRST
The strongest argument for TRST centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 33.4% and operating margin at 46.7%. Revenue growth of 10.7% 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 : TRST
The primary concerns for TRST are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
TRST is growing revenue faster at 10.7% — sustainability is the question.
TRST generates stronger free cash flow (26M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRST scores higher overall (73/100 vs 63/100), backed by strong 33.4% margins and 10.7% 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.
TrustCo Bank Corp NY
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York.
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