PNC Financial Services Group Inc (PNC)vsSynovus Financial Corp (SNV)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
SNV
Synovus Financial Corp
$50.05
-2.49%
FINANCIAL SERVICES · Cap: $6.95B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 874% more annual revenue ($22.32B vs $2.29B). SNV leads profitability with a 34.9% profit margin vs 31.1%. 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
SNV
Strong Buy69
out of 100
Grade: B-
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
+65.4%
Fair Value
$144.82
Current Price
$50.05
$94.77 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
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 46.8%
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Weak financial health signals
Distress zone — elevated risk
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 : SNV
The strongest argument for SNV centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.9% and operating margin at 46.8%.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : SNV
The primary concerns for SNV are PEG Ratio, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
SNV carries more volatility with a beta of 1.22 — expect wider price swings.
SNV is growing revenue faster at 9.7% — 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 69/100), backed by strong 31.1% margins. SNV offers better value entry with a 65.4% margin of safety. 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 →Synovus Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Synovus Financial Corp. The company is headquartered in Columbus, Georgia.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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