Huntington Bancshares Incorporated (HBAN)vsPNC Financial Services Group Inc (PNC)
HBAN
Huntington Bancshares Incorporated
$15.47
-0.90%
FINANCIAL SERVICES · Cap: $31.72B
PNC
PNC Financial Services Group Inc
$226.75
-0.60%
FINANCIAL SERVICES · Cap: $90.52B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 154% more annual revenue ($24.94B vs $9.83B). PNC leads profitability with a 31.7% profit margin vs 25.3%. PNC appears more attractively valued with a PEG of 1.56. PNC earns a higher WallStSmart Score of 75/100 (B).
HBAN
Strong Buy71
out of 100
Grade: B
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 39.8%
Revenue surging 32.4% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Generating 1.0B in free cash flow
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.1%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 2.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
ROE of 7.7% — below average capital efficiency
Earnings declined 19.5%
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HBAN
The strongest argument for HBAN centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 25.3% and operating margin at 39.8%. Revenue growth of 32.4% 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 31.7% and operating margin at 41.1%. Revenue growth of 10.9% demonstrates continued momentum.
Bear Case : HBAN
The primary concerns for HBAN are PEG Ratio, Return on Equity, EPS Growth.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
HBAN profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
HBAN carries more volatility with a beta of 0.97 — expect wider price swings.
HBAN is growing revenue faster at 32.4% — sustainability is the question.
PNC generates stronger free cash flow (2.1B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (75/100 vs 71/100), backed by strong 31.7% margins and 10.9% revenue growth. 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.
Huntington Bancshares Incorporated
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Huntington Bancshares Incorporated is a bank holding company headquartered in Columbus, Ohio.
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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