PNC Financial Services Group Inc (PNC)vsThe Bancorp Inc (TBBK)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
TBBK
The Bancorp Inc
$52.50
-0.85%
FINANCIAL SERVICES · Cap: $2.33B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 4142% more annual revenue ($22.32B vs $526.15M). TBBK leads profitability with a 43.4% profit margin vs 31.1%. TBBK appears more attractively valued with a PEG of 1.07. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
TBBK
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
+55.1%
Fair Value
$127.13
Current Price
$52.50
$74.63 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
Every $100 of equity generates 31 in profit
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 59.8%
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
2.3% revenue growth
Negative free cash flow — burning cash
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 : TBBK
The strongest argument for TBBK centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 43.4% and operating margin at 59.8%. PEG of 1.07 suggests the stock is reasonably priced for its growth.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : TBBK
The primary concerns for TBBK are Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
PNC profiles as a mature stock while TBBK is a value play — different risk/reward profiles.
TBBK carries more volatility with a beta of 1.33 — 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 69/100), backed by strong 31.1% margins. TBBK offers better value entry with a 55.1% 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 →The Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
The Bancorp, Inc. is the financial holding company of The Bancorp Bank offering banking products and services in the United States. The company is headquartered in Wilmington, Delaware.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?