Enterprise Financial Services (EFSC)vsPNC Financial Services Group Inc (PNC)
EFSC
Enterprise Financial Services
$54.32
+0.26%
FINANCIAL SERVICES · Cap: $2.01B
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 3213% more annual revenue ($22.32B vs $673.72M). PNC leads profitability with a 31.1% profit margin vs 29.9%. EFSC appears more attractively valued with a PEG of 1.23. EFSC earns a higher WallStSmart Score of 78/100 (B+).
EFSC
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
+60.3%
Fair Value
$149.10
Current Price
$54.32
$94.78 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 40.6%
Keeps 30 of every $100 in revenue as profit
17.5% revenue growth
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
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : EFSC
The strongest argument for EFSC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.9% and operating margin at 40.6%. Revenue growth of 17.5% 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 : EFSC
The primary concerns for EFSC are Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
EFSC 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.
EFSC is growing revenue faster at 17.5% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
EFSC scores higher overall (78/100 vs 73/100), backed by strong 29.9% margins and 17.5% 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.
Enterprise Financial Services
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Enterprise Financial Services Corp is the financial holding company of Enterprise Bank & Trust offering banking and wealth management services to individual and corporate clients. The company is headquartered in Clayton, Missouri.
Visit Website →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
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