PNC Financial Services Group Inc (PNC)vsRichmond Mutual Bancorporation Inc (RMBI)
PNC
PNC Financial Services Group Inc
$244.24
+0.52%
FINANCIAL SERVICES · Cap: $97.44B
RMBI
Richmond Mutual Bancorporation Inc
$15.90
+1.53%
FINANCIAL SERVICES · Cap: $256.76M
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 48681% more annual revenue ($24.32B vs $49.85M). PNC leads profitability with a 31.4% profit margin vs 24.1%. RMBI trades at a lower P/E of 13.1x. PNC earns a higher WallStSmart Score of 76/100 (B+).
PNC
Strong Buy76
out of 100
Grade: B+
RMBI
Hold49
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 38.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 23.6% year-over-year
Reasonable price relative to book value
Strong operational efficiency at 37.2%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
15.6% revenue growth
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
Earnings declined 15.4%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PNC
The strongest argument for PNC centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 31.4% and operating margin at 38.7%. Revenue growth of 23.6% demonstrates continued momentum.
Bull Case : RMBI
The strongest argument for RMBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.1% and operating margin at 37.2%. Revenue growth of 15.6% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : RMBI
The primary concerns for RMBI are Market Cap, Debt/Equity, EPS Growth. Debt-to-equity of 1.65 is elevated, increasing financial risk.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.89 — expect wider price swings.
PNC is growing revenue faster at 23.6% — sustainability is the question.
PNC generates stronger free cash flow (2.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (76/100 vs 49/100), backed by strong 31.4% margins and 23.6% revenue growth. Both earn "Strong Buy" and "Hold" 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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