Royal Bank of Canada (RY)vsTimberland Bancorp Inc (TSBK)
RY
Royal Bank of Canada
$205.16
-0.36%
FINANCIAL SERVICES · Cap: $291.55B
TSBK
Timberland Bancorp Inc
$46.81
+0.73%
FINANCIAL SERVICES · Cap: $355.04M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 78138% more annual revenue ($67.15B vs $85.83M). TSBK leads profitability with a 36.7% profit margin vs 33.9%. RY appears more attractively valued with a PEG of 2.35. RY earns a higher WallStSmart Score of 63/100 (C+).
RY
Buy63
out of 100
Grade: C+
TSBK
Buy62
out of 100
Grade: C+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 47.3%
Conservative balance sheet, low leverage
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 : TSBK
The strongest argument for TSBK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.7% and operating margin at 47.3%.
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 : TSBK
The primary concerns for TSBK are Market Cap, PEG Ratio, 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.
TSBK generates stronger free cash flow (8M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RY scores higher overall (63/100 vs 62/100), backed by strong 33.9% margins. Both earn "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.
Timberland Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Timberland Bancorp, Inc. is the banking holding company for Timberland Bank providing various banking services in Washington. The company is headquartered in Hoquiam, Washington.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?