First Bancorp (FBNC)vsPNC Financial Services Group Inc (PNC)
FBNC
First Bancorp
$64.80
-0.28%
FINANCIAL SERVICES · Cap: $2.69B
PNC
PNC Financial Services Group Inc
$232.00
-0.42%
FINANCIAL SERVICES · Cap: $90.52B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 5404% more annual revenue ($24.94B vs $453.20M). FBNC leads profitability with a 36.2% profit margin vs 31.7%. PNC appears more attractively valued with a PEG of 1.56. FBNC earns a higher WallStSmart Score of 77/100 (B+).
FBNC
Strong Buy77
out of 100
Grade: B+
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Revenue surging 49.3% year-over-year
Earnings expanding 152.3% YoY
Conservative balance sheet, low leverage
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
Attractively priced relative to earnings
Generating 3.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
ROE of 7.2% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FBNC
The strongest argument for FBNC centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 36.2% and operating margin at 46.2%. Revenue growth of 49.3% 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 31.7% and operating margin at 41.1%. Revenue growth of 10.9% demonstrates continued momentum.
Bear Case : FBNC
The primary concerns for FBNC are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FBNC profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
FBNC is growing revenue faster at 49.3% — sustainability is the question.
PNC generates stronger free cash flow (3.1B), providing more financial flexibility.
Bottom Line
FBNC scores higher overall (77/100 vs 75/100), backed by strong 36.2% margins and 49.3% 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.
First Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Bancorp is First Bank's banking holding company providing banking products and services for individuals and small and medium-sized businesses primarily in North Carolina and northeastern South Carolina. The company is headquartered in Southern Pines, North Carolina.
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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