Citizens Financial Group, Inc. (CFG)vsPNC Financial Services Group Inc (PNC)
CFG
Citizens Financial Group, Inc.
$59.42
+0.81%
FINANCIAL SERVICES · Cap: $25.31B
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 192% more annual revenue ($22.32B vs $7.64B). PNC leads profitability with a 31.1% profit margin vs 24.0%. CFG appears more attractively valued with a PEG of 0.26. CFG earns a higher WallStSmart Score of 81/100 (A-).
CFG
Exceptional Buy81
out of 100
Grade: A-
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.0%
Fair Value
$180.65
Current Price
$59.42
$121.23 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
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 32.2%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 34.8% 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
ROE of 7.2% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CFG
The strongest argument for CFG centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.0% and operating margin at 32.2%. Revenue growth of 10.7% 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 : CFG
The primary concerns for CFG are Return on Equity, Free Cash Flow, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CFG carries more volatility with a beta of 1.08 — expect wider price swings.
CFG is growing revenue faster at 10.7% — 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
CFG scores higher overall (81/100 vs 73/100), backed by strong 24.0% margins and 10.7% revenue growth. PNC offers better value entry with a 73.5% margin of safety. 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.
Citizens Financial Group, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island.
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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