Esquire Financial Holdings Inc (ESQ)vsPNC Financial Services Group Inc (PNC)
ESQ
Esquire Financial Holdings Inc
$106.85
-1.32%
FINANCIAL SERVICES · Cap: $910.92M
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 16206% more annual revenue ($22.32B vs $136.89M). ESQ leads profitability with a 37.1% profit margin vs 31.1%. PNC trades at a lower P/E of 12.4x. PNC earns a higher WallStSmart Score of 73/100 (B).
ESQ
Buy60
out of 100
Grade: C+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+35.1%
Fair Value
$167.93
Current Price
$106.85
$61.08 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
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Attractively priced relative to earnings
Reasonable price relative to book value
16.4% revenue growth
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
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ESQ
The strongest argument for ESQ centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 37.1% and operating margin at 48.5%. Revenue growth of 16.4% 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 : ESQ
The primary concerns for ESQ are Market Cap.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ESQ 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.
ESQ is growing revenue faster at 16.4% — 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 60/100), backed by strong 31.1% margins. ESQ offers better value entry with a 35.1% margin of safety. 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.
Esquire Financial Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Esquire Financial Holdings, Inc. is the banking holding company for Esquire Bank, the National Association that provides commercial banking products and services to the legal industry and small businesses, and commercial and retail customers in the United States. The company is headquartered in Jericho, 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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