Blue Foundry Bancorp (BLFY)vsPNC Financial Services Group Inc (PNC)
BLFY
Blue Foundry Bancorp
$12.94
+0.31%
FINANCIAL SERVICES · Cap: $263.46M
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 49798% more annual revenue ($22.32B vs $44.73M). PNC leads profitability with a 31.1% profit margin vs -20.6%. PNC earns a higher WallStSmart Score of 73/100 (B).
BLFY
Hold38
out of 100
Grade: F
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for BLFY.
Margin of Safety
+73.5%
Fair Value
$776.41
Current Price
$205.95
$570.46 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 30.3% year-over-year
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
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -2.8% — below average capital efficiency
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BLFY
The strongest argument for BLFY centers on Price/Book, Revenue Growth. Revenue growth of 30.3% 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 31.1% and operating margin at 39.3%.
Bear Case : BLFY
The primary concerns for BLFY are EPS Growth, Market Cap, Return on Equity.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
BLFY profiles as a hypergrowth stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
BLFY is growing revenue faster at 30.3% — 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 38/100), backed by strong 31.1% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Blue Foundry Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Blue Foundry Bancorp (BLFY) is a community-oriented financial institution headquartered in New Jersey, dedicated to providing tailored banking solutions for individuals and businesses in the region. The bank offers a comprehensive suite of products, including deposit accounts, loans, and mortgages, aimed at fostering local economic development. With a strong emphasis on leveraging innovative digital platforms, Blue Foundry Bancorp enhances customer engagement while maintaining stringent risk management and compliance with regulatory standards. This commitment to community involvement and sustainable banking practices positions Blue Foundry Bancorp as a vital player in both the local economy and the broader financial sector.
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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