FB Financial Corp (FBK)vsPNC Financial Services Group Inc (PNC)
FBK
FB Financial Corp
$60.10
+0.69%
FINANCIAL SERVICES · Cap: $2.97B
PNC
PNC Financial Services Group Inc
$248.49
+0.09%
FINANCIAL SERVICES · Cap: $100.75B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 3637% more annual revenue ($24.32B vs $650.78M). PNC leads profitability with a 31.4% profit margin vs 30.2%. PNC trades at a lower P/E of 13.8x. PNC earns a higher WallStSmart Score of 76/100 (B+).
FBK
Strong Buy73
out of 100
Grade: B
PNC
Strong Buy76
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 45.5%
Revenue surging 130.2% year-over-year
Earnings expanding 1783.0% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 38.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 23.6% year-over-year
Areas to Watch
ROE of 7.9% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FBK
The strongest argument for FBK centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 30.2% and operating margin at 45.5%. Revenue growth of 130.2% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 31.4% and operating margin at 38.7%. Revenue growth of 23.6% demonstrates continued momentum.
Bear Case : FBK
The primary concerns for FBK are Return on Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FBK carries more volatility with a beta of 0.95 — expect wider price swings.
FBK is growing revenue faster at 130.2% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (76/100 vs 73/100), backed by strong 31.4% margins and 23.6% 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.
FB Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FB Financial Corporation is a banking holding company for FirstBank offering a pool of commercial and consumer banking companies, professionals and individuals. The company is headquartered in Nashville, Tennessee.
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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