Royal Bank of Canada (RY)vsValley National Bancorp (VLY)
RY
Royal Bank of Canada
$203.30
-0.13%
FINANCIAL SERVICES · Cap: $291.55B
VLY
Valley National Bancorp
$13.59
-0.59%
FINANCIAL SERVICES · Cap: $7.60B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 3244% more annual revenue ($67.15B vs $2.01B). VLY leads profitability with a 34.5% profit margin vs 33.9%. VLY appears more attractively valued with a PEG of 1.16. VLY earns a higher WallStSmart Score of 77/100 (B+).
RY
Buy63
out of 100
Grade: C+
VLY
Strong Buy77
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%
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 46.8%
15.0% revenue growth
Earnings expanding 31.8% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 : VLY
The strongest argument for VLY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.5% and operating margin at 46.8%. Revenue growth of 15.0% 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 : VLY
The primary concerns for VLY are Altman Z-Score.
Key Dynamics to Monitor
VLY carries more volatility with a beta of 1.05 — expect wider price swings.
VLY is growing revenue faster at 15.0% — sustainability is the question.
VLY generates stronger free cash flow (160M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
VLY scores higher overall (77/100 vs 63/100), backed by strong 34.5% margins and 15.0% revenue growth. 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.
Valley National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Valley National Bancorp is the parent company of Valley National Bank offering various commercial, retail, insurance and wealth management financial services products. The company is headquartered in New York, New York.
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