Associated Banc-Corp (ASB)vsPNC Financial Services Group Inc (PNC)
ASB
Associated Banc-Corp
$30.36
-0.59%
FINANCIAL SERVICES · Cap: $5.67B
PNC
PNC Financial Services Group Inc
$225.38
-0.60%
FINANCIAL SERVICES · Cap: $90.52B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 1425% more annual revenue ($24.94B vs $1.64B). ASB leads profitability with a 32.2% profit margin vs 31.7%. PNC appears more attractively valued with a PEG of 1.56. PNC earns a higher WallStSmart Score of 75/100 (B).
ASB
Strong Buy71
out of 100
Grade: B
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 46.8%
Revenue surging 21.6% year-over-year
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.1%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 3.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
4.1% earnings growth
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ASB
The strongest argument for ASB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 46.8%. Revenue growth of 21.6% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.7% and operating margin at 41.1%. Revenue growth of 10.9% demonstrates continued momentum.
Bear Case : ASB
The primary concerns for ASB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
ASB profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
ASB is growing revenue faster at 21.6% — sustainability is the question.
PNC generates stronger free cash flow (3.1B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (75/100 vs 71/100), backed by strong 31.7% margins and 10.9% 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.
Associated Banc-Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Associated Banc-Corp, a bank holding company, offers a variety of banking and non-banking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. The company is headquartered in Green Bay, Wisconsin.
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.
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