PNC Financial Services Group Inc (PNC)vsWestern New England Bancorp Inc (WNEB)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
WNEB
Western New England Bancorp Inc
$12.85
-0.46%
FINANCIAL SERVICES · Cap: $264.55M
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 27028% more annual revenue ($22.32B vs $82.28M). PNC leads profitability with a 31.1% profit margin vs 18.6%. WNEB appears more attractively valued with a PEG of 1.58. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
WNEB
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
+60.2%
Fair Value
$35.10
Current Price
$12.85
$22.25 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
Reasonable price relative to book value
Strong operational efficiency at 31.2%
Earnings expanding 56.7% YoY
Attractively priced relative to earnings
16.6% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 6.3% — below average capital efficiency
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 : WNEB
The strongest argument for WNEB centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 18.6% and operating margin at 31.2%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : WNEB
The primary concerns for WNEB are PEG Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
PNC profiles as a mature stock while WNEB is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
WNEB is growing revenue faster at 16.6% — 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. WNEB offers better value entry with a 60.2% 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 →Western New England Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Western New England Bancorp, Inc. is the Westfield Bank holding company offering a range of commercial and retail banking products and services to individuals and businesses. The company is headquartered in Westfield, Massachusetts.
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