Auburn National Bancorporation Inc (AUBN)vsPNC Financial Services Group Inc (PNC)
AUBN
Auburn National Bancorporation Inc
$22.95
-0.09%
FINANCIAL SERVICES · Cap: $89.44M
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 68917% more annual revenue ($22.32B vs $32.34M). PNC leads profitability with a 31.1% profit margin vs 22.1%. PNC appears more attractively valued with a PEG of 2.17. PNC earns a higher WallStSmart Score of 73/100 (B).
AUBN
Buy63
out of 100
Grade: C+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.9%
Fair Value
$95.94
Current Price
$22.95
$72.99 discount
Margin of Safety
+73.5%
Fair Value
$776.41
Current Price
$205.95
$570.46 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.9%
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 28.6% YoY
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.3%
Large-cap with strong market position
Attractively priced relative to earnings
Earnings expanding 29.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AUBN
The strongest argument for AUBN centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 32.9%. Revenue growth of 11.5% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.1% and operating margin at 39.3%.
Bear Case : AUBN
The primary concerns for AUBN are Market Cap, Piotroski F-Score, PEG Ratio.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
AUBN is growing revenue faster at 11.5% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (73/100 vs 63/100), backed by strong 31.1% margins. AUBN offers better value entry with a 73.9% margin of safety. 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.
Auburn National Bancorporation Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Auburn National Bancorporation, Inc. is the banking holding company for AuburnBank offering various banking products and services in East Alabama. The company is headquartered in Auburn, Alabama.
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
Want to dig deeper into these stocks?