PNC Financial Services Group Inc (PNC)vsSB Financial Group Inc (SBFG)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
SBFG
SB Financial Group Inc
$20.18
-1.42%
FINANCIAL SERVICES · Cap: $131.22M
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 34482% more annual revenue ($22.32B vs $64.54M). PNC leads profitability with a 31.1% profit margin vs 21.6%. SBFG trades at a lower P/E of 9.5x. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
SBFG
Buy63
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
+65.9%
Fair Value
$61.85
Current Price
$20.18
$41.67 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 31.4%
Keeps 22 of every $100 in revenue as profit
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 : SBFG
The strongest argument for SBFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.6% and operating margin at 31.4%.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : SBFG
The primary concerns for SBFG are Market Cap.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.97 — 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.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (73/100 vs 63/100), backed by strong 31.1% margins. SBFG offers better value entry with a 65.9% 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 →SB Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.
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