PNC Financial Services Group Inc (PNC)vsQCR Holdings Inc (QCRH)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
QCRH
QCR Holdings Inc
$83.90
+0.30%
FINANCIAL SERVICES · Cap: $1.41B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 6251% more annual revenue ($22.32B vs $351.46M). QCRH leads profitability with a 36.2% profit margin vs 31.1%. QCRH appears more attractively valued with a PEG of 1.02. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
QCRH
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.5%
Fair Value
$776.41
Current Price
$205.95
$570.46 discount
Margin of Safety
+67.7%
Fair Value
$283.42
Current Price
$83.90
$199.52 discount
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 39.3%
Large-cap with strong market position
Attractively priced relative to earnings
Earnings expanding 29.1% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 41.3%
Conservative balance sheet, low leverage
17.1% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
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 31.1% and operating margin at 39.3%.
Bull Case : QCRH
The strongest argument for QCRH centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.2% and operating margin at 41.3%. Revenue growth of 17.1% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : QCRH
The primary concerns for QCRH are Market Cap.
Key Dynamics to Monitor
PNC profiles as a mature stock while QCRH is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
QCRH is growing revenue faster at 17.1% — 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 71/100), backed by strong 31.1% margins. QCRH offers better value entry with a 67.7% 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.
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 →QCR Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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