Accepts demand, money market, and savings accounts. Offers residential and commercial real estate loans. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
Average growth of 14% a year over the last 4 years. Every year shown ended in profit.
The market pays 12.8× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 76% of them.
Analysts' average target sits 47% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 25% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 14% a year on average.
Over the last 12 months, company executives reported 125 buys and 33 sells. Management buying with its own money is usually read as a good sign.
The stock trades 47% above the average analyst price target.
On our five-subject report card, RBCAA sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: RBCAA is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.