PNC Financial Services Group Inc (PNC)vsRichmond Mutual Bancorporation Inc (RMBI)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
RMBI
Richmond Mutual Bancorporation Inc
$13.44
-0.52%
FINANCIAL SERVICES · Cap: $132.57M
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 47637% more annual revenue ($22.32B vs $46.76M). PNC leads profitability with a 31.1% profit margin vs 24.8%. RMBI trades at a lower P/E of 11.7x. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
RMBI
Buy64
out of 100
Grade: C+
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
+73.9%
Fair Value
$54.76
Current Price
$13.44
$41.32 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
Strong operational efficiency at 32.5%
Generating 16.0B in free cash flow
Keeps 25 of every $100 in revenue as profit
16.4% 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 : RMBI
The strongest argument for RMBI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.8% and operating margin at 32.5%. Revenue growth of 16.4% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : RMBI
The primary concerns for RMBI are Market Cap.
Key Dynamics to Monitor
PNC profiles as a mature stock while RMBI is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
RMBI is growing revenue faster at 16.4% — sustainability is the question.
RMBI generates stronger free cash flow (16.0B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (73/100 vs 64/100), backed by strong 31.1% margins. RMBI offers better value entry with a 73.9% 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.
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 →Richmond Mutual Bancorporation Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Richmond Mutual Bancorporation, Inc. is a holding company of First Bank Richmond providing various banking services. The company is headquartered in Richmond, Indiana.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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