First Citizens BancShares, Inc. (FCNCA)vsPNC Financial Services Group Inc (PNC)
FCNCA
First Citizens BancShares, Inc.
$2,075.10
+1.36%
FINANCIAL SERVICES · Cap: $24.43B
PNC
PNC Financial Services Group Inc
$228.37
+1.59%
FINANCIAL SERVICES · Cap: $88.75B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 152% more annual revenue ($23.04B vs $9.14B). PNC leads profitability with a 31.3% profit margin vs 24.7%. FCNCA appears more attractively valued with a PEG of 1.30. PNC earns a higher WallStSmart Score of 75/100 (B).
FCNCA
Strong Buy75
out of 100
Grade: B
PNC
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 34.2%
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 23.6% YoY
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 1.9B in free cash flow
Areas to Watch
4.9% revenue growth
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FCNCA
The strongest argument for FCNCA centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.7% and operating margin at 34.2%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bear Case : FCNCA
The primary concerns for FCNCA are Revenue Growth, Debt/Equity, Free Cash Flow. Debt-to-equity of 1.54 is elevated, increasing financial risk.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
FCNCA profiles as a value 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.
PNC is growing revenue faster at 13.8% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
FCNCA scores higher overall (75/100 vs 75/100), backed by strong 24.7% margins. 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 Citizens BancShares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Citizens BancShares, Inc. is the parent company of First-Citizens Bank & Trust Company providing retail and business banking services to individuals, businesses and professionals. The company is headquartered in Raleigh, 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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