PNC Financial Services Group Inc (PNC)vsSouthState Corporation (SSB)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
SSB
SouthState Corporation
$91.71
+0.70%
FINANCIAL SERVICES · Cap: $9.15B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 773% more annual revenue ($22.32B vs $2.56B). SSB leads profitability with a 31.2% profit margin vs 31.1%. SSB appears more attractively valued with a PEG of 1.45. SSB earns a higher WallStSmart Score of 86/100 (A).
PNC
Strong Buy73
out of 100
Grade: B
SSB
Exceptional Buy86
out of 100
Grade: A
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
+71.8%
Fair Value
$368.32
Current Price
$91.71
$276.61 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 31 of every $100 in revenue as profit
Strong operational efficiency at 51.1%
Revenue surging 52.0% year-over-year
Earnings expanding 31.1% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
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 : SSB
The strongest argument for SSB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 51.1%. Revenue growth of 52.0% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : SSB
The primary concerns for SSB are Altman Z-Score.
Key Dynamics to Monitor
PNC profiles as a mature stock while SSB is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
SSB is growing revenue faster at 52.0% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
SSB scores higher overall (86/100 vs 73/100), backed by strong 31.2% margins and 52.0% revenue growth. PNC offers better value entry with a 73.5% margin of safety. Both earn "Exceptional 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 →SouthState Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
South State Corporation is the banking holding company for South State Bank offering a range of banking products and services. The company is headquartered in Winter Haven, Florida.
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