PNC Financial Services Group Inc (PNC)vsTruist Financial Corp (TFC)
PNC
PNC Financial Services Group Inc
$216.85
-1.11%
FINANCIAL SERVICES · Cap: $88.06B
TFC
Truist Financial Corp
$49.11
-1.27%
FINANCIAL SERVICES · Cap: $61.97B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 24% more annual revenue ($23.04B vs $18.66B). PNC leads profitability with a 31.3% profit margin vs 29.6%. TFC appears more attractively valued with a PEG of 1.18. TFC earns a higher WallStSmart Score of 75/100 (B).
PNC
Strong Buy75
out of 100
Grade: B
TFC
Strong Buy75
out of 100
Grade: B
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 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 1.9B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 39.0%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 25.3% 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 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bull Case : TFC
The strongest argument for TFC centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.6% and operating margin at 39.0%. PEG of 1.18 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 Altman Z-Score.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
PNC is growing revenue faster at 13.8% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (75/100 vs 75/100), backed by strong 31.3% margins and 13.8% 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 →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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