PNC Financial Services Group Inc (PNC)vsPinnacle Financial Partners, Inc. (PNFP)
PNC
PNC Financial Services Group Inc
$228.37
+1.59%
FINANCIAL SERVICES · Cap: $88.75B
PNFP
Pinnacle Financial Partners, Inc.
$96.31
-0.08%
FINANCIAL SERVICES · Cap: $14.56B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 772% more annual revenue ($23.04B vs $2.64B). PNC leads profitability with a 31.3% profit margin vs 24.7%. PNFP appears more attractively valued with a PEG of 1.42. PNC earns a higher WallStSmart Score of 75/100 (B).
PNC
Strong Buy75
out of 100
Grade: B
PNFP
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 1.9B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 46.9%
Revenue surging 156.4% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
ROE of 4.5% — below average capital efficiency
Earnings declined 49.7%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bull Case : PNFP
The strongest argument for PNFP centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.7% and operating margin at 46.9%. Revenue growth of 156.4% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : PNFP
The primary concerns for PNFP are Return on Equity, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
PNC profiles as a mature stock while PNFP is a growth play — different risk/reward profiles.
PNFP carries more volatility with a beta of 1.04 — expect wider price swings.
PNFP is growing revenue faster at 156.4% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (75/100 vs 70/100), backed by strong 31.3% margins and 13.8% 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.
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 →Pinnacle Financial Partners, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Pinnacle Financial Partners, Inc., is the banking holding company for Pinnacle Bank offering various banking products and services in the United States. The company is headquartered in Nashville, Tennessee.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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