PNC Financial Services Group Inc (PNC)vsTruist Financial Corp (TFC)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
TFC
Truist Financial Corp
$45.39
+0.15%
FINANCIAL SERVICES · Cap: $57.98B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 21% more annual revenue ($22.32B vs $18.43B). PNC leads profitability with a 31.1% profit margin vs 28.8%. TFC appears more attractively valued with a PEG of 1.12. TFC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
TFC
Strong Buy73
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
+41.3%
Fair Value
$91.99
Current Price
$45.39
$46.60 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
Strong operational efficiency at 32.7%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 2.6B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
3.2% revenue growth
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 : TFC
The strongest argument for TFC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.8% and operating margin at 32.7%. PEG of 1.12 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 : TFC
The primary concerns for TFC are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
PNC profiles as a mature stock while TFC is a value 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.
TFC generates stronger free cash flow (2.6B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (73/100 vs 73/100), backed by strong 31.1% margins. TFC offers better value entry with a 41.3% 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 →Truist Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Truist Financial Corporation is an American bank holding company headquartered in Charlotte, North Carolina. Its bank operates 2,781 branches in 15 states and Washington, D.C., and offers consumer and commercial banking, securities brokerage, asset management, mortgage, and insurance products and services.
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