Cullen/Frost Bankers Inc (CFR)vsPNC Financial Services Group Inc (PNC)
CFR
Cullen/Frost Bankers Inc
$157.01
-0.36%
FINANCIAL SERVICES · Cap: $9.64B
PNC
PNC Financial Services Group Inc
$228.25
+1.60%
FINANCIAL SERVICES · Cap: $86.73B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 1002% more annual revenue ($24.94B vs $2.26B). PNC leads profitability with a 31.7% profit margin vs 30.2%. PNC appears more attractively valued with a PEG of 1.57. PNC earns a higher WallStSmart Score of 75/100 (B).
CFR
Buy64
out of 100
Grade: C+
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 37.2%
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
Elevated debt levels
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CFR
The strongest argument for CFR centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 30.2% and operating margin at 37.2%.
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 : CFR
The primary concerns for CFR are Debt/Equity, PEG Ratio, Free Cash Flow.
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.
PNC is growing revenue faster at 10.9% — 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 64/100), 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.
Cullen/Frost Bankers Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Cullen / Frost Bankers, Inc. is the banking holding company for Frost Bank offering commercial and consumer banking services in Texas. The company is headquartered in San Antonio, Texas.
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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