Atlantic Union Bankshares Corp (AUB)vsPNC Financial Services Group Inc (PNC)
AUB
Atlantic Union Bankshares Corp
$39.72
+0.25%
FINANCIAL SERVICES · Cap: $5.65B
PNC
PNC Financial Services Group Inc
$244.24
+0.52%
FINANCIAL SERVICES · Cap: $97.44B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 1513% more annual revenue ($24.32B vs $1.51B). AUB leads profitability with a 32.3% profit margin vs 31.4%. AUB appears more attractively valued with a PEG of 1.09. AUB earns a higher WallStSmart Score of 81/100 (A-).
AUB
Exceptional Buy81
out of 100
Grade: A-
PNC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 56.1%
Revenue surging 35.8% year-over-year
Earnings expanding 835.0% YoY
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 38.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 23.6% year-over-year
Areas to Watch
ROE of 6.8% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AUB
The strongest argument for AUB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 56.1%. Revenue growth of 35.8% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 31.4% and operating margin at 38.7%. Revenue growth of 23.6% demonstrates continued momentum.
Bear Case : AUB
The primary concerns for AUB are Return on Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.89 — expect wider price swings.
AUB is growing revenue faster at 35.8% — sustainability is the question.
PNC generates stronger free cash flow (2.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AUB scores higher overall (81/100 vs 76/100), backed by strong 32.3% margins and 35.8% revenue growth. Both earn "Exceptional 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.
Atlantic Union Bankshares Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Atlantic Union Bankshares Corporation is the holding company of Atlantic Union Bank providing related banking and financial services to consumers and businesses. The company is headquartered in Richmond, Virginia.
Visit Website →PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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