Royal Bank of Canada (RY)vsUnity Bancorp Inc (UNTY)
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
UNTY
Unity Bancorp Inc
$60.13
+1.76%
FINANCIAL SERVICES · Cap: $602.15M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 51385% more annual revenue ($67.15B vs $130.43M). UNTY leads profitability with a 45.0% profit margin vs 33.9%. UNTY appears more attractively valued with a PEG of 0.99. RY earns a higher WallStSmart Score of 63/100 (C+).
RY
Buy63
out of 100
Grade: C+
UNTY
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
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 58.2%
Growing faster than its price suggests
Reasonable price relative to book value
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
Revenue declined 5.7%
Earnings declined 11.8%
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 33.9% and operating margin at 46.4%.
Bull Case : UNTY
The strongest argument for UNTY centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 45.0% and operating margin at 58.2%. PEG of 0.99 suggests the stock is reasonably priced for its growth.
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 : UNTY
The primary concerns for UNTY are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
RY profiles as a mature stock while UNTY is a declining play — different risk/reward profiles.
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.
UNTY generates stronger free cash flow (-39M), providing more financial flexibility.
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.
Unity Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Unity Bancorp, Inc. is the holding company of Unity Bank providing commercial and retail banking products and services to individuals, small and medium-sized businesses and professional communities. The company is headquartered in Clinton, New Jersey.
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