PNC Financial Services Group Inc (PNC)vsTriumph Financial, Inc. (TFIN)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
TFIN
Triumph Financial, Inc.
$57.87
-0.24%
FINANCIAL SERVICES · Cap: $1.38B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 5021% more annual revenue ($22.32B vs $435.85M). PNC leads profitability with a 31.1% profit margin vs 5.8%. PNC trades at a lower P/E of 12.4x. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
TFIN
Buy60
out of 100
Grade: C
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
-59.0%
Fair Value
$43.52
Current Price
$57.87
$14.35 premium
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
Earnings expanding 532.0% YoY
Reasonable price relative to book value
Strong operational efficiency at 25.5%
Revenue surging 22.9% year-over-year
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 2.8% — below average capital efficiency
5.8% margin — thin
Weak financial health signals
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 : TFIN
The strongest argument for TFIN centers on EPS Growth, Price/Book, Operating Margin. Revenue growth of 22.9% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : TFIN
The primary concerns for TFIN are Market Cap, Return on Equity, Profit Margin. A P/E of 62.2x leaves little room for execution misses.
Key Dynamics to Monitor
PNC profiles as a mature stock while TFIN is a growth play — different risk/reward profiles.
TFIN carries more volatility with a beta of 1.51 — expect wider price swings.
TFIN is growing revenue faster at 22.9% — 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 60/100), backed by strong 31.1% margins. Both earn "Strong Buy" and "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 →Triumph Financial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Triumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. The company is headquartered in Dallas, Texas.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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