PNC Financial Services Group Inc (PNC)vsSouthside Bancshares, Inc. (SBSI)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
SBSI
Southside Bancshares, Inc.
$30.78
+0.03%
FINANCIAL SERVICES · Cap: $925.13M
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 9439% more annual revenue ($22.32B vs $233.99M). PNC leads profitability with a 31.1% profit margin vs 29.6%. PNC appears more attractively valued with a PEG of 2.17. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
SBSI
Buy52
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
-111.6%
Fair Value
$15.57
Current Price
$30.78
$15.21 premium
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
Reasonable price relative to book value
Strong operational efficiency at 41.5%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 3.7%
Earnings declined 1.2%
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 : SBSI
The strongest argument for SBSI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.6% and operating margin at 41.5%.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : SBSI
The primary concerns for SBSI are Market Cap, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
PNC profiles as a mature stock while SBSI is a declining play — different risk/reward profiles.
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.
Bottom Line
PNC scores higher overall (73/100 vs 52/100), backed by strong 31.1% margins. 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 →Southside Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southside Bancshares, Inc. is the banking holding company for Southside Bank providing a range of financial services to individuals, businesses, municipal entities, and non-profit organizations. The company is headquartered in Tyler, Texas.
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