Citizens & Northern Corp (CZNC)vsPNC Financial Services Group Inc (PNC)
CZNC
Citizens & Northern Corp
$22.11
0.00%
FINANCIAL SERVICES · Cap: $388.29M
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 19037% more annual revenue ($22.32B vs $116.63M). PNC leads profitability with a 31.1% profit margin vs 20.1%. CZNC appears more attractively valued with a PEG of 1.21. PNC earns a higher WallStSmart Score of 73/100 (B).
CZNC
Buy65
out of 100
Grade: C+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-133.2%
Fair Value
$9.93
Current Price
$22.11
$12.18 premium
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 34.5%
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 24.5% year-over-year
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
ROE of 7.6% — below average capital efficiency
Weak financial health signals
Earnings declined 52.6%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CZNC
The strongest argument for CZNC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 34.5%. Revenue growth of 24.5% 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 : CZNC
The primary concerns for CZNC are Market Cap, Return on Equity, Piotroski F-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CZNC profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
CZNC is growing revenue faster at 24.5% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (73/100 vs 65/100), backed by strong 31.1% margins. 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.
Citizens & Northern Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens & Northern Corporation is the banking holding company for Citizens & Northern Bank providing a range of banking and mortgage services to individual and corporate clients in northern central Pennsylvania and southern New York. The company is headquartered in Wellsboro, 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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