Sierra Bancorp (BSRR)vsPNC Financial Services Group Inc (PNC)
BSRR
Sierra Bancorp
$33.50
+0.60%
FINANCIAL SERVICES · Cap: $437.51M
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 14862% more annual revenue ($22.32B vs $149.18M). PNC leads profitability with a 31.1% profit margin vs 28.4%. BSRR appears more attractively valued with a PEG of 1.43. BSRR earns a higher WallStSmart Score of 76/100 (B+).
BSRR
Strong Buy76
out of 100
Grade: B+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.7%
Fair Value
$145.55
Current Price
$33.50
$112.05 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 42.7%
Keeps 28 of every $100 in revenue as profit
Earnings expanding 32.3% 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
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BSRR
The strongest argument for BSRR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.4% and operating margin at 42.7%. Revenue growth of 13.2% 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 : BSRR
The primary concerns for BSRR are Market Cap, Debt/Equity.
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.
BSRR is growing revenue faster at 13.2% — 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
BSRR scores higher overall (76/100 vs 73/100), backed by strong 28.4% margins and 13.2% revenue growth. PNC offers better value entry with a 73.5% margin of safety. Both earn "Strong 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.
Sierra Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Sierra Bancorp is the bank holding company for Bank of the Sierra that provides retail and business banking services to individuals and businesses in California. The company is headquartered in Porterville, California.
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.
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