FB Financial Corp (FBK)vsPNC Financial Services Group Inc (PNC)
FBK
FB Financial Corp
$51.89
-0.57%
FINANCIAL SERVICES · Cap: $2.72B
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 4219% more annual revenue ($22.32B vs $516.73M). PNC leads profitability with a 31.1% profit margin vs 23.7%. PNC trades at a lower P/E of 12.4x. PNC earns a higher WallStSmart Score of 73/100 (B).
FBK
Strong Buy71
out of 100
Grade: B
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+48.0%
Fair Value
$114.66
Current Price
$51.89
$62.77 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
Reasonable price relative to book value
Strong operational efficiency at 43.0%
Revenue surging 43.9% year-over-year
Keeps 24 of every $100 in revenue as profit
Earnings expanding 32.4% YoY
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
ROE of 7.0% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FBK
The strongest argument for FBK centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 23.7% and operating margin at 43.0%. Revenue growth of 43.9% 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 : FBK
The primary concerns for FBK are Return on Equity.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FBK profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
FBK carries more volatility with a beta of 0.98 — expect wider price swings.
FBK is growing revenue faster at 43.9% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (73/100 vs 71/100), backed by strong 31.1% margins. FBK offers better value entry with a 48.0% 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.
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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