PNC Financial Services Group Inc (PNC)vsWest Bancorporation (WTBA)
PNC
PNC Financial Services Group Inc
$205.95
-0.25%
FINANCIAL SERVICES · Cap: $83.43B
WTBA
West Bancorporation
$23.71
+0.51%
FINANCIAL SERVICES · Cap: $399.63M
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 23334% more annual revenue ($22.32B vs $95.25M). WTBA leads profitability with a 34.2% profit margin vs 31.1%. WTBA trades at a lower P/E of 12.3x. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
WTBA
Buy56
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
-10.0%
Fair Value
$23.19
Current Price
$23.71
$0.52 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
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.1%
Attractively priced relative to earnings
Reasonable price relative to book value
17.4% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
3.3% earnings growth
Smaller company, higher risk/reward
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 : WTBA
The strongest argument for WTBA centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 34.2% and operating margin at 43.1%. Revenue growth of 17.4% demonstrates continued momentum.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : WTBA
The primary concerns for WTBA are EPS Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
PNC profiles as a mature stock while WTBA is a growth play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
WTBA is growing revenue faster at 17.4% — 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 56/100), 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 →West Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
West Bancorporation, Inc. is West Bank's financial holding company providing trust and community banking services to individuals and small and medium-sized businesses in the United States. The company is headquartered in West Des Moines, Iowa.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?