CB Financial Services Inc (CBFV)vsPNC Financial Services Group Inc (PNC)
CBFV
CB Financial Services Inc
$33.78
-2.96%
FINANCIAL SERVICES · Cap: $170.35M
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 51877% more annual revenue ($22.32B vs $42.94M). PNC leads profitability with a 31.1% profit margin vs 11.4%. CBFV appears more attractively valued with a PEG of 1.12. PNC earns a higher WallStSmart Score of 73/100 (B).
CBFV
Strong Buy65
out of 100
Grade: B-
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+13.4%
Fair Value
$43.06
Current Price
$33.78
$9.28 discount
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
Earnings expanding 93.6% YoY
Strong operational efficiency at 29.6%
Revenue surging 21.6% 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
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 3.2% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CBFV
The strongest argument for CBFV centers on Price/Book, EPS Growth, Operating Margin. Revenue growth of 21.6% demonstrates continued momentum. PEG of 1.12 suggests the stock is reasonably priced for its growth.
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 : CBFV
The primary concerns for CBFV are P/E Ratio, Market Cap, Return on Equity.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CBFV profiles as a growth 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.
CBFV is growing revenue faster at 21.6% — 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 65/100), backed by strong 31.1% margins. 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.
CB Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
CB Financial Services, Inc. is the banking holding company for Community Bank offering various banking products and services to individuals and businesses in southwestern Pennsylvania, West Virginia and Ohio. The company is headquartered in Carmichaels, Pennsylvania.
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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