Royal Bank of Canada (RY)vsUnity Bancorp Inc (UNTY)
RY
Royal Bank of Canada
$204.77
+0.86%
FINANCIAL SERVICES · Cap: $281.07B
UNTY
Unity Bancorp Inc
$57.73
-0.35%
FINANCIAL SERVICES · Cap: $583.24M
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 50106% more annual revenue ($67.15B vs $133.75M). UNTY leads profitability with a 46.1% profit margin vs 33.9%. UNTY appears more attractively valued with a PEG of 0.99. UNTY earns a higher WallStSmart Score of 76/100 (B+).
RY
Strong Buy68
out of 100
Grade: B-
UNTY
Strong Buy76
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%
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.1%
Growing faster than its price suggests
Earnings expanding 20.6% YoY
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
Negative free cash flow — burning cash
Distress zone — elevated risk
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, Price/Book, Profit Margin. Profitability is solid with margins at 46.1% and operating margin at 57.1%. Revenue growth of 10.3% demonstrates continued momentum.
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, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.91 — expect wider price swings.
UNTY is growing revenue faster at 10.3% — sustainability is the question.
UNTY generates stronger free cash flow (-39M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNTY scores higher overall (76/100 vs 68/100), backed by strong 46.1% margins and 10.3% 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.
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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