Commerce Bancshares Inc (CBSH)vsPNC Financial Services Group Inc (PNC)
CBSH
Commerce Bancshares Inc
$55.01
-0.60%
FINANCIAL SERVICES · Cap: $7.99B
PNC
PNC Financial Services Group Inc
$227.54
+0.31%
FINANCIAL SERVICES · Cap: $86.73B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 1252% more annual revenue ($24.94B vs $1.84B). PNC leads profitability with a 31.7% profit margin vs 31.6%. PNC appears more attractively valued with a PEG of 1.57. PNC earns a higher WallStSmart Score of 75/100 (B).
CBSH
Buy65
out of 100
Grade: C+
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.1%
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
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
Generating 2.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
1.2% earnings growth
Weak financial health signals
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CBSH
The strongest argument for CBSH centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 31.6% and operating margin at 45.1%. Revenue growth of 14.2% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on P/E Ratio, Price/Book, Profit 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 : CBSH
The primary concerns for CBSH are PEG Ratio, EPS Growth, Piotroski F-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
CBSH is growing revenue faster at 14.2% — sustainability is the question.
PNC generates stronger free cash flow (2.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (75/100 vs 65/100), backed by strong 31.7% margins and 10.9% revenue growth. 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.
Commerce Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Commerce Bancshares, Inc. is the banking holding company for Commerce Bank providing retail, mortgage banking, corporate, investment, trust and asset management products and services to individuals and businesses in the United States. The company is headquartered in Kansas City, Missouri.
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 →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?