Central Pacific Financial Corp (CPF)vsPNC Financial Services Group Inc (PNC)
CPF
Central Pacific Financial Corp
$31.80
+0.92%
FINANCIAL SERVICES · Cap: $817.88M
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 7958% more annual revenue ($22.32B vs $276.99M). PNC leads profitability with a 31.1% profit margin vs 28.0%. CPF appears more attractively valued with a PEG of 1.97. CPF earns a higher WallStSmart Score of 78/100 (B+).
CPF
Strong Buy78
out of 100
Grade: B+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.6%
Fair Value
$133.85
Current Price
$31.80
$102.05 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 40.2%
Earnings expanding 103.1% YoY
Keeps 28 of every $100 in revenue as profit
Revenue surging 28.3% 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
Expensive relative to growth rate
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CPF
The strongest argument for CPF centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.0% and operating margin at 40.2%. Revenue growth of 28.3% 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 : CPF
The primary concerns for CPF are PEG Ratio, Market Cap.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CPF 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.
CPF is growing revenue faster at 28.3% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
CPF scores higher overall (78/100 vs 73/100), backed by strong 28.0% margins and 28.3% revenue growth. PNC offers better value entry with a 73.5% margin of safety. 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.
Central Pacific Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Central Pacific Financial Corp. The company is headquartered in Honolulu, Hawaii.
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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