Royal Bank of Canada (RY)vsUnited Bankshares Inc (UBSI)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
UBSI
United Bankshares Inc
$47.69
+1.00%
FINANCIAL SERVICES · Cap: $6.51B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 5270% more annual revenue ($67.15B vs $1.25B). UBSI leads profitability with a 41.2% profit margin vs 33.9%. UBSI appears more attractively valued with a PEG of 1.95. UBSI earns a higher WallStSmart Score of 67/100 (B-).
RY
Buy63
out of 100
Grade: C+
UBSI
Strong Buy67
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 41 of every $100 in revenue as profit
Strong operational efficiency at 53.1%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
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
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 : UBSI
The strongest argument for UBSI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 41.2% and operating margin at 53.1%.
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 : UBSI
The primary concerns for UBSI are PEG Ratio.
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.
UBSI generates stronger free cash flow (100M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UBSI scores higher overall (67/100 vs 63/100), backed by strong 41.2% margins. 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.
United Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. The company is headquartered in Charleston, West Virginia.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?