PNC Financial Services Group Inc (PNC)vsWebster Financial Corporation (WBS)
PNC
PNC Financial Services Group Inc
$244.24
-0.63%
FINANCIAL SERVICES · Cap: $97.44B
WBS
Webster Financial Corporation
$77.57
0.00%
FINANCIAL SERVICES · Cap: $12.57B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 778% more annual revenue ($24.32B vs $2.77B). WBS leads profitability with a 36.8% profit margin vs 31.4%. PNC appears more attractively valued with a PEG of 1.70. PNC earns a higher WallStSmart Score of 76/100 (B+).
PNC
Strong Buy76
out of 100
Grade: B+
WBS
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 38.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 23.6% year-over-year
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 50.6%
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
2.8% earnings growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PNC
The strongest argument for PNC centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 31.4% and operating margin at 38.7%. Revenue growth of 23.6% demonstrates continued momentum.
Bull Case : WBS
The strongest argument for WBS centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.8% and operating margin at 50.6%.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : WBS
The primary concerns for WBS are PEG Ratio, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
PNC profiles as a growth stock while WBS is a mature play — different risk/reward profiles.
WBS carries more volatility with a beta of 1.00 — expect wider price swings.
PNC is growing revenue faster at 23.6% — sustainability is the question.
PNC generates stronger free cash flow (2.1B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (76/100 vs 66/100), backed by strong 31.4% margins and 23.6% 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 →Webster Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Webster Financial Corporation is the banking holding company for Webster Bank, a National Association that provides a variety of banking, investment, and financial services to individuals, families, and businesses in the United States. The company is headquartered in Waterbury, Connecticut.
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