Royal Bank of Canada (RY)vsUnivest Corporation Pennsylvania (UVSP)
RY
Royal Bank of Canada
$179.54
-0.24%
FINANCIAL SERVICES · Cap: $250.25B
UVSP
Univest Corporation Pennsylvania
$37.99
+0.93%
FINANCIAL SERVICES · Cap: $1.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 19502% more annual revenue ($63.42B vs $323.55M). RY leads profitability with a 33.1% profit margin vs 29.5%. UVSP appears more attractively valued with a PEG of 1.30. UVSP earns a higher WallStSmart Score of 76/100 (B+).
RY
Strong Buy68
out of 100
Grade: B-
UVSP
Strong Buy76
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 40.7%
Keeps 30 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
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 : UVSP
The strongest argument for UVSP centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.5% and operating margin at 40.7%. Revenue growth of 12.1% demonstrates continued momentum.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : UVSP
The primary concerns for UVSP are Market Cap.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
UVSP is growing revenue faster at 12.1% — 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
UVSP scores higher overall (76/100 vs 68/100), backed by strong 29.5% margins and 12.1% 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.
Univest Corporation Pennsylvania
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Univest Financial Corporation is the banking holding company for Univest Bank and Trust Co. offering banking products and services primarily in Pennsylvania. The company is headquartered in Souderton, Pennsylvania.
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