Royal Bank of Canada (RY)vsUnion Bankshares Inc (UNB)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
UNB
Union Bankshares Inc
$24.69
-1.24%
FINANCIAL SERVICES · Cap: $117.75M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 118045% more annual revenue ($63.42B vs $53.68M). RY leads profitability with a 33.1% profit margin vs 20.6%. UNB trades at a lower P/E of 10.6x. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
UNB
Buy52
out of 100
Grade: C-
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 21 of every $100 in revenue as profit
Strong operational efficiency at 21.3%
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Earnings declined 10.1%
Negative free cash flow — burning cash
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 : UNB
The strongest argument for UNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 20.6% and operating margin at 21.3%.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : UNB
The primary concerns for UNB are Market Cap, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
UNB is growing revenue faster at 9.9% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RY scores higher overall (68/100 vs 52/100), backed by strong 33.1% 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.
Union Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Union Bankshares, Inc. is the banking holding company for Union Bank offering retail, commercial and municipal banking products and services in Northern Vermont and New Hampshire. The company is headquartered in Morrisville, Vermont.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?