Royal Bank of Canada (RY)vsUnited Bankshares Inc (UBSI)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
UBSI
United Bankshares Inc
$43.81
+1.11%
FINANCIAL SERVICES · Cap: $6.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 4972% more annual revenue ($63.42B vs $1.25B). UBSI leads profitability with a 40.3% profit margin vs 33.1%. UBSI appears more attractively valued with a PEG of 1.95. UBSI earns a higher WallStSmart Score of 73/100 (B).
RY
Strong Buy68
out of 100
Grade: B-
UBSI
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 52.7%
Earnings expanding 50.8% YoY
Attractively priced relative to earnings
18.5% revenue growth
Areas to Watch
Expensive relative to growth rate
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 33.1% and operating margin at 46.2%.
Bull Case : UBSI
The strongest argument for UBSI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 40.3% and operating margin at 52.7%. Revenue growth of 18.5% demonstrates continued momentum.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : UBSI
The primary concerns for UBSI are PEG Ratio.
Key Dynamics to Monitor
RY profiles as a mature stock while UBSI is a growth play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
UBSI is growing revenue faster at 18.5% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
UBSI scores higher overall (73/100 vs 68/100), backed by strong 40.3% margins and 18.5% revenue growth. 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.
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.
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