ConnectOne Bancorp, Inc. (CNOB)vsPNC Financial Services Group Inc (PNC)
CNOB
ConnectOne Bancorp, Inc.
$32.57
-1.27%
FINANCIAL SERVICES · Cap: $1.53B
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 5527% more annual revenue ($24.94B vs $443.30M). CNOB leads profitability with a 36.1% profit margin vs 31.7%. PNC appears more attractively valued with a PEG of 1.57. CNOB earns a higher WallStSmart Score of 80/100 (B+).
CNOB
Strong Buy80
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 36 of every $100 in revenue as profit
Strong operational efficiency at 55.2%
Revenue surging 134.2% year-over-year
Earnings expanding 47.5% YoY
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
Smaller company, higher risk/reward
ROE of 6.2% — below average capital efficiency
Weak financial health signals
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CNOB
The strongest argument for CNOB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.1% and operating margin at 55.2%. Revenue growth of 134.2% 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 : CNOB
The primary concerns for CNOB are PEG Ratio, Market Cap, Return on Equity.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
CNOB profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
CNOB carries more volatility with a beta of 1.07 — expect wider price swings.
CNOB is growing revenue faster at 134.2% — sustainability is the question.
PNC generates stronger free cash flow (2.1B), providing more financial flexibility.
Bottom Line
CNOB scores higher overall (80/100 vs 75/100), backed by strong 36.1% margins and 134.2% 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.
ConnectOne Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ConnectOne Bancorp, Inc. is the banking holding company for ConnectOne Bank, a licensed commercial bank offering a variety of commercial banking products and services. The company is headquartered in Englewood Cliffs, New Jersey.
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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