PNC Financial Services Group Inc (PNC)vsSouthern First Bancshares Inc (SFST)
PNC
PNC Financial Services Group Inc
$244.24
+0.52%
FINANCIAL SERVICES · Cap: $97.44B
SFST
Southern First Bancshares Inc
$63.12
-0.47%
FINANCIAL SERVICES · Cap: $597.86M
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 18779% more annual revenue ($24.32B vs $128.81M). PNC leads profitability with a 31.4% profit margin vs 30.7%. PNC appears more attractively valued with a PEG of 1.70. PNC earns a higher WallStSmart Score of 76/100 (B+).
PNC
Strong Buy76
out of 100
Grade: B+
SFST
Strong Buy71
out of 100
Grade: B
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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 44.0%
Attractively priced relative to earnings
Revenue surging 24.8% year-over-year
Earnings expanding 48.1% YoY
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
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 : SFST
The strongest argument for SFST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.7% and operating margin at 44.0%. Revenue growth of 24.8% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : SFST
The primary concerns for SFST are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.89 — expect wider price swings.
SFST is growing revenue faster at 24.8% — 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 71/100), backed by strong 31.4% margins and 23.6% revenue growth. 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 →Southern First Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern First Bancshares, Inc. is the banking holding company for Southern First Bank offering various banking products and services to the general public in South Carolina, North Carolina and Georgia. The company is headquartered in Greenville, South Carolina.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?