Fidelity D&D Bancorp Inc (FDBC)vsPNC Financial Services Group Inc (PNC)
FDBC
Fidelity D&D Bancorp Inc
$43.55
+0.07%
FINANCIAL SERVICES · Cap: $259.41M
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 25093% more annual revenue ($22.32B vs $88.60M). PNC leads profitability with a 31.1% profit margin vs 29.4%. FDBC trades at a lower P/E of 10.0x. PNC earns a higher WallStSmart Score of 73/100 (B).
FDBC
Buy64
out of 100
Grade: C+
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+78.0%
Fair Value
$211.07
Current Price
$43.55
$167.52 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 38.4%
Keeps 29 of every $100 in revenue as profit
18.5% revenue growth
Earnings expanding 47.7% 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
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FDBC
The strongest argument for FDBC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.4% and operating margin at 38.4%. Revenue growth of 18.5% 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 : FDBC
The primary concerns for FDBC are Market Cap.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FDBC 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.
FDBC is growing revenue faster at 18.5% — 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 64/100), backed by strong 31.1% margins. FDBC offers better value entry with a 78.0% margin of safety. Both earn "Strong Buy" and "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.
Fidelity D&D Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Fidelity D & D Bancorp, Inc. is the banking holding company for The Fidelity Deposit and Discount Bank, providing a variety of banking, trust and financial services to individuals, small businesses and corporate clients. The company is headquartered in Dunmore, Pennsylvania.
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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