Dime Community Bancshares Inc (DCOM)vsPNC Financial Services Group Inc (PNC)
DCOM
Dime Community Bancshares Inc
$33.32
-0.27%
FINANCIAL SERVICES · Cap: $1.46B
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 5345% more annual revenue ($22.32B vs $409.90M). PNC leads profitability with a 31.1% profit margin vs 27.0%. PNC appears more attractively valued with a PEG of 2.17. DCOM earns a higher WallStSmart Score of 74/100 (B).
DCOM
Strong Buy74
out of 100
Grade: B
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+67.8%
Fair Value
$110.45
Current Price
$33.32
$77.13 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 46.4%
Revenue surging 159.4% year-over-year
Earnings expanding 103.1% YoY
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
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 7.7% — below average capital efficiency
Expensive relative to growth rate
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : DCOM
The strongest argument for DCOM centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 27.0% and operating margin at 46.4%. Revenue growth of 159.4% 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 : DCOM
The primary concerns for DCOM are Market Cap, Return on Equity, PEG Ratio.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
DCOM profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
DCOM carries more volatility with a beta of 1.10 — expect wider price swings.
DCOM is growing revenue faster at 159.4% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
DCOM scores higher overall (74/100 vs 73/100), backed by strong 27.0% margins and 159.4% 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.
Dime Community Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Dime Community Bancshares, Inc. is the parent company of Dime Community Bank providing commercial banking and financial services in New York. The company is headquartered in Hauppauge, New York.
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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