WallStSmart

Royal Bank of Canada (RY)vsUnited Community Banks, Inc. (UCB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 6172% more annual revenue ($65.72B vs $1.05B). RY leads profitability with a 33.7% profit margin vs 32.5%. UCB appears more attractively valued with a PEG of 1.67. UCB earns a higher WallStSmart Score of 71/100 (B).

RY

Strong Buy

70

out of 100

Grade: B-

Growth: 8.7Profit: 8.0Value: 4.3Quality: 5.0
Piotroski: 4/9Altman Z: -0.50

UCB

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.7Quality: 5.5
Piotroski: 6/9Altman Z: 0.41

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RY6 strengths · Avg: 9.3/10
Market CapQuality
$277.29B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.7%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
45.3%10/10

Strong operational efficiency at 45.3%

Free Cash FlowQuality
$20.82B10/10

Generating 20.8B in free cash flow

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.1%8/10

16.1% revenue growth

UCB5 strengths · Avg: 9.6/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
32.5%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
45.7%10/10

Strong operational efficiency at 45.7%

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.7x8/10

Attractively priced relative to earnings

Areas to Watch

RY3 concerns · Avg: 1.7/10
PEG RatioValuation
2.532/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.502/10

Distress zone — elevated risk

Debt/EquityHealth
2.771/10

Elevated debt levels

UCB2 concerns · Avg: 3.0/10
PEG RatioValuation
1.674/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.412/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.

Bull Case : UCB

The strongest argument for UCB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.5% and operating margin at 45.7%. Revenue growth of 14.4% demonstrates continued momentum.

Bear Case : RY

The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.

Bear Case : UCB

The primary concerns for UCB are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

RY profiles as a growth stock while UCB is a mature play — different risk/reward profiles.

RY carries more volatility with a beta of 0.94 — expect wider price swings.

RY is growing revenue faster at 16.1% — sustainability is the question.

RY generates stronger free cash flow (20.8B), providing more financial flexibility.

Bottom Line

UCB scores higher overall (71/100 vs 70/100), backed by strong 32.5% margins and 14.4% 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 Community Banks, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

United Community Banks, Inc. (UCB) is a prominent regional bank based in Blairsville, Georgia, offering a wide array of financial services including commercial and retail banking, mortgage solutions, and wealth management to clients throughout the Southeastern United States. The institution is distinguished by its strategic focus on community involvement, robust acquisition strategies, and a strong track record of financial performance. UCB's commitment to effective risk management and exceptional customer service underscores its position as a reliable partner in the dynamic financial sector, appealing to both individual and business customers. With a dedication to growth and innovation, UCB continues to expand its market presence while maintaining its core values.

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