WallStSmart

Newtek Business Services Corp (NEWT)vsPNC Financial Services Group Inc (PNC)

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Smart Verdict

WallStSmart Research — data-driven comparison

PNC Financial Services Group Inc generates 5723% more annual revenue ($22.32B vs $383.33M). PNC leads profitability with a 31.1% profit margin vs 15.8%. PNC appears more attractively valued with a PEG of 2.17. PNC earns a higher WallStSmart Score of 73/100 (B).

NEWT

Buy

64

out of 100

Grade: C+

Growth: 5.3Profit: 8.0Value: 6.0Quality: 4.0
Piotroski: 2/9

PNC

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 10.0Quality: 5.0
Piotroski: 5/9Altman Z: 0.15
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NEWTUndervalued (+10.0%)

Margin of Safety

+10.0%

Fair Value

$14.82

Current Price

$11.22

$3.60 discount

UndervaluedFair: $14.82Overvalued
PNCUndervalued (+73.5%)

Margin of Safety

+73.5%

Fair Value

$776.41

Current Price

$205.95

$570.46 discount

UndervaluedFair: $776.41Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NEWT3 strengths · Avg: 10.0/10
P/E RatioValuation
5.3x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
55.6%10/10

Strong operational efficiency at 55.6%

PNC6 strengths · Avg: 9.2/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.1%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
39.3%10/10

Strong operational efficiency at 39.3%

Market CapQuality
$83.43B9/10

Large-cap with strong market position

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
29.1%8/10

Earnings expanding 29.1% YoY

Areas to Watch

NEWT4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

Market CapQuality
$331.34M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.202/10

Expensive relative to growth rate

PNC2 concerns · Avg: 3.0/10
PEG RatioValuation
2.174/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.152/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : NEWT

The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 15.8% and operating margin at 55.6%.

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 : NEWT

The primary concerns for NEWT are Revenue Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 5.64 is elevated, increasing financial risk.

Bear Case : PNC

The primary concerns for PNC are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

NEWT profiles as a value stock while PNC is a mature play — different risk/reward profiles.

NEWT carries more volatility with a beta of 1.28 — expect wider price swings.

PNC is growing revenue faster at 9.6% — 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 64/100), 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.

Newtek Business Services Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Newtek Business Services Corp (NEWT) is a leading provider of integrated business solutions designed specifically for small to medium-sized enterprises (SMBs) throughout the United States. The company offers a diverse suite of services, including payment processing, business lending, and advanced technological solutions, all aimed at enhancing operational efficiency and driving growth for its clients. By functioning as a comprehensive resource, Newtek positions itself as a critical partner in the success of SMBs, emphasizing exceptional customer service and strategic collaborations to help clients thrive in a competitive marketplace. With a strong focus on innovation and long-term relationships, Newtek plays a pivotal role in empowering its clients to adapt and grow.

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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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