Royal Bank of Canada (RY)vsWestamerica Bancorporation (WABC)
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $250.25B
WABC
Westamerica Bancorporation
$54.82
-0.02%
FINANCIAL SERVICES · Cap: $1.30B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 24878% more annual revenue ($63.42B vs $253.92M). WABC leads profitability with a 44.3% profit margin vs 33.1%. RY appears more attractively valued with a PEG of 2.30. RY earns a higher WallStSmart Score of 68/100 (B-).
RY
Strong Buy68
out of 100
Grade: B-
WABC
Buy53
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
Reasonable price relative to book value
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 60.2%
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 6.7%
Earnings declined 3.0%
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 : WABC
The strongest argument for WABC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 44.3% and operating margin at 60.2%.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Bear Case : WABC
The primary concerns for WABC are Market Cap, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
RY profiles as a mature stock while WABC 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 7.5% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 53/100), 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.
Westamerica Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Westamerica Bancorporation is a banking holding company for Westamerica Bank offering various banking products and services to individual and commercial clients. The company is headquartered in San Rafael, California.
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