CNB Financial Corporation (CCNE)vsPNC Financial Services Group Inc (PNC)
CCNE
CNB Financial Corporation
$31.05
+0.16%
FINANCIAL SERVICES · Cap: $954.35M
PNC
PNC Financial Services Group Inc
$228.37
-0.47%
FINANCIAL SERVICES · Cap: $92.58B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 7573% more annual revenue ($23.04B vs $300.29M). PNC leads profitability with a 31.3% profit margin vs 27.2%. CCNE appears more attractively valued with a PEG of 1.06. CCNE earns a higher WallStSmart Score of 80/100 (A-).
CCNE
Exceptional Buy80
out of 100
Grade: A-
PNC
Strong Buy72
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
Strong operational efficiency at 42.4%
Revenue surging 48.6% year-over-year
Earnings expanding 76.9% YoY
Keeps 27 of every $100 in revenue as profit
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 1.9B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
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 : CCNE
The strongest argument for CCNE centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.2% and operating margin at 42.4%. Revenue growth of 48.6% 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 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bear Case : CCNE
The primary concerns for CCNE are Market Cap, 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
CCNE profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.92 — expect wider price swings.
CCNE is growing revenue faster at 48.6% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
CCNE scores higher overall (80/100 vs 72/100), backed by strong 27.2% margins and 48.6% 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.
CNB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
CNB Financial Corporation is the banking holding company for CNB Bank offering a range of banking products and services for individual, commercial, government and institutional clients. The company is headquartered in Clearfield, Pennsylvania.
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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